Your Astoria, NY home insurance can protect you from Halloween home nightmares!
Halloween is one of the best nights of the year for children! However, once they are hyped up on candy and excited in their costumes, the excitement can quickly turn into mischievous mayhem!
With Halloween comes certain risks, so be sure to prepare your home before the trick-or-treaters arrive but know that with the correct home insurance, your house will be protected through the mummies and monsters!
- Tricksters damaging your home. Standard home insurance policies cover vandalism, including dents in your siding caused by eggs thrown at your home.
- Jack-o’-lanterns causing fires. A fire started by a candle or a string of pumpkin lights can quickly engulf your belongings and home in flames. But fear not, home insurance typically covers the expense of damages: repairs and replacing.
- A small child trips over your Halloween doormat, or if someone gets injured on your property in general. The liability portion of your home insurance covers expenses if the injured files a claim.
- When driving, you swerve to avoid a black cat and hit a Stop sign. An accident which is not involved with another car would be covered by the collision portion of your auto insurance, provided you have the correct coverage.
Luckily, you can reduce the likelihood of these events happening by ensuring a clear and well-lit pathway to your home, using battery-powered lights in your jack-o’-lanterns, taking extra safety precautions on the night, and reviewing your home and auto insurance policies. For the coverage that you need and deserve, contact the top agency in Astoria, New York: 01 Insurance.