October brings crisp air, falling leaves, pumpkin spice everything—and of course, Halloween. While ghosts and goblins might be imaginary, the risks to your home and car this season are very real. From mischievous trick-or-treaters to unpredictable autumn weather, October is a great time to make sure your insurance coverage isn’t scary.

Home Insurance: Don’t Let Halloween Treats Turn Into Financial Tricks

Halloween is one of the most active nights of the year for foot traffic around your home. That means more chances for accidents, vandalism, or even property damage. Here’s why your home insurance matters:

Liability Coverage: If a trick-or-treater trips on your walkway or gets injured on your property, liability coverage can help protect you from costly lawsuits.

Vandalism Protection: Pumpkins smashed, decorations stolen, or eggs thrown—these pranks can lead to real damage. Make sure your policy covers vandalism.

Fire Hazards: Candles in jack-o’-lanterns and electrical decorations can pose fire risks. Confirm your policy covers fire damage and review your safety setup.

Auto Insurance: Beware of Parking Lot Poltergeists

Whether you're driving to a haunted house or parking on the street for a Halloween party, your car faces seasonal risks too:

Comprehensive Coverage: This protects against non-collision damage like vandalism, theft, or falling branches—common in October storms.

Collision Coverage: With more nighttime driving and distracted drivers, accidents can spike. Make sure your collision coverage is up to date.

Uninsured Motorist Protection: Not everyone on the road is properly insured. This coverage helps protect you if you're hit by someone who isn’t.

Seasonal Tips to Stay Safe and Covered:

Light it up to keep walkways well-lit to prevent trips and falls. Secure decorations and avoid placing items where they could obstruct paths or cause injury. Park smart by choosing well-lit areas and avoid leaving valuables in your car.

Review Your Policy: October is a great time to sit down with one of our sales account executives and make sure your coverage fits your current needs.

Final Thought: Don’t Let Insurance Be the Monster Under the Bed

Halloween is meant to be spooky fun-not financially frightening. By reviewing your home and auto insurance policies now, you can enjoy the season with peace of mind. Whether it’s a ghostly prank or a stormy night, you’ll be ready for whatever October throws at you.

For more information or to get a quote, click here to make an appointment with one of our sales account executives today!

This material is meant for general illustration and/or informational purposes only. Although the information has been gathered from sources believed to be reliable, no representation is made as to its accuracy. The material is not intended to be relied upon as a statement of the law, and is not to be construed as legal, tax or investment advice. You are encouraged to consult your legal, tax or investment professional for specific advice. Not for reproduction.