Safety First: Don’t Get Spooked by Halloween Horrors

More vandalism claims are filed on Halloween than any other day of the year, according to the Highway Data Loss Institute. Follow these tips to keep your property safe from Halloween mischief-makers:

• Prepare for pranksters. To avoid having your car vandalized or stolen, park in a secure, well-lit area with your windows up and doors locked.
• Keep an eye out for Wolverine and Wonder Woman. Drive slowly and turn your headlights on earlier in the day to make it easier to see and be seen by children.
• Light up the night. Ample lighting outside of your home will help keep the creeps away and provide safe passage to party guests and trick-or-treaters. Keep paths clear to prevent slips.
• Follow safe pumpkin protocol. Keep lit jack-o-lanterns, candles, matches and lighters out of children’s reach. Use flameless candles if possible.
• Beware the brew. Hosting a grown-up party? Keep an eye on your guests and make sure you have plenty of non-alcoholic beverages and snacks on hand.

Understand your coverages:

• Vandalism. Standard homeowners and renters insurance policies will provide coverage for vandalism. In the event that your car is vandalized, the optional comprehensive portion of your auto insurance policy covers damages.
• Fire. If a Halloween decoration causes a fire and damages your property, your homeowners or renters policy will cover fire-related losses, up to policy limits.
• Injury. You may be covered under the liability portion of your homeowners or renters insurance policy – up to specified limits – in the event that someone is injured on your property. A standard policy also includes no-fault medical coverage – up to specified limits – that allows the injured person to file their claim directly with your insurance company.

Make sure you’re covered against Halloween horrors. For information about auto and home insurance, call a AAA Insurance Agent at 1-855-282-2275, or visit AAA.com/Insurance.

These tips are provided by the External Communications team at CSAA Insurance Group