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NEW YORK, October 28, 2019—Before Halloween arrives on Thursday, Oct. 31, homeowners can take steps to make the day a safer one for themselves as well as those who will be visiting them, according to the Insurance Information Institute (I.I.I.).
These five tips will keep your home—and trick-or-treaters—safer on Halloween, according to the I.I.I.
Standard homeowners insurance policies provide liability protection from common Halloween risks, such as trick-or-treaters who trip and fall on your property, or are bitten by your dog. If an incident at your home results in a lawsuit, the liability portion of your homeowners insurance policy pays for both the cost of defending you in court and any court awards—up to the limit stated in your policy documents.
Liability limits generally start at about $100,000, although many homeowners choose to purchase liability protection coverage totaling somewhere between $300,000 and $500,000. Moreover, standard homeowners insurance policies cover losses incurred due either to theft or vandalism, the I.I.I. notes.
If you have significant assets and want more coverage than is available under your homeowners insurance policy, consider purchasing an umbrella liability policy. It provides homeowners broader coverage and higher liability limits.
THE I.I.I. IS A NONPROFIT, COMMUNICATIONS ORGANIZATION SUPPORTED BY THE INSURANCE INDUSTRY.
Insurance Information Institute, 110 William Street, New York, NY 10038; (212) 346-5500; www.iii.org