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    Halloween Vandalism Is Downright Spooky

    ELECTRIC INSURANCE

    Halloween Hazards

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    Not-So-Funny Halloween Pranks

    Your vehicle is twice as likely to be vandalized on Halloween as on any other day of the year. The damage isn’t likely to be cheap, either: claims average $1,500. Take a few precautions – they may save you a lot of hassle.

    • Park defensively — off the street, in a well-lit area, or inside a garage if you can.

    • Make sure you leave the car locked and the windows rolled up.

    • Engage the vehicle’s alarm if you have one.

    Halloween Hazards: Liability Claims Against You

    Kids amped up on sugar are likely to be even more impulsive than usual and forget normal safety rules — like staying on the sidewalk and looking before they cross the street. Decorations, pets, and walkways are other common sources of Halloween liability claims.

    • Drive defensively and more slowly than usual.

    • Put your headlights on — even when it’s not dark yet. You may be able to see well, but the added light may attract a child’s attention and prevent him or her from darting in front of your car before he or she realizes it’s there.

    • Use battery-operated candles in jack-o-lanterns or other decorations requiring a candle— especially if they are outside and not under your supervision at all times.

    • If you have a dog, keep it inside, preferably in a room away from the door, while trick-or-treaters are visiting your property. If you take it for a walk, keep it on leash. This protects both the dog and visitors to your property.

    • If your dog is protective, place it in a quiet room, behind a closed door. A dog can interpret repeated ringing of doorbell and oddly-dressed children shouting as a threat to you and your property.

    • Children may wear costumes that limit their vision or cause them to trip. Make sure your walkways and stairs are clear and well-lit to reduce the possibility of injuries and suits against you.

    Taking a few defensive measures means you can enjoy the festivities with a lot less worry.

    Contact us

    Our Risk Coaches are licensed insurance professionals who are trained to look at coverage from your perspective. They’re glad to help you navigate the often-perplexing world of insurance coverage. Start a quote online, or call us at 800.342.5342, Monday through Friday, from 8:00 a.m. to 8:00 p.m. ET.

     

    Product, service, program, credit, and discount availability and limits vary by state. The information provided on this site is provided for informational purposes only and is not a full explanation of products, services, or coverage. For more information, please contact Electric Insurance Company at 800.227.2757. If there are discrepancies between the information on this site and the policy, the terms in the policy apply.
    Electric Insurance Company Risk Coaches help you assess your current coverages and exposure to risk based on the information you provide during your discussion with them. The services provided are for informational purposes only and do not create a professional or fiduciary relationship. Incomplete information or a change in your circumstances after your meeting may affect coverage requirements or recommendations.

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