Halloween is coming up soon. Sometimes, “trick-or treat” devolves into some nasty, and destructive, “tricks”. If that happens, then here are certain kinds of insurance policies that could help you if you end up with problems this Halloween.
You cannot purchase a policy called “Halloween insurance”. Insurers do not offer anything this specialized. This could be because there are other, existing, policies that can cover the types of damages that you may face this Halloween.
There is no good reason to send your claim to those policies, and to a “Halloween insurance” policy at the same time. It would make things too tricky to sort out.
If your house gets covered in toilet paper, or hit by eggs this Halloween, you could send a claim to your homeowners insurance policy. This type of policy covers damages made to the outside structure of your house, garage, shed, and fences. If the eggs damage the paint on your siding, you might be able to get your homeowners insurance to cover the cost of hiring a skilled worker to properly apply new paint to your house.
Did your car get hit by some of those eggs? This claim for damages should be covered by your auto insurance policy. It could help pay for the cost of repairing paint that has been damaged by the eggs. It may also cover cracked or broken windows on your vehicle.
A trick-or-treater, who is wearing a mask with small eye holes, trips on your porch, and breaks his leg. His parents can send the claim for the medical treatment he requires to your homeowners insurance policy. If you get sued by the parents of the injured kid, you can send a claim to your homeowners insurance, to cover your court costs.
When Halloween is over, you may want to use your dental insurance to help pay for the cost of having your children’s teeth checked on. The Halloween candy, when eaten in mass quantities, may have caused some cavities. Dental insurance will cover the cost of two check-ups each year.
This year, there is a group of high school students who are selling “ghost insurance”. It’s not a true insurance policy, obviously, since real insurance isn’t something you purchase from the students at your local high school. Before you wonder, no, they haven’t become “ghostbusters”.
“Ghost Insurance” is something that the high school students are selling as a fundraiser. They ask for a $10.00 donation, and the money will benefit Special Olympics. People in the local community can buy this amusing type of “insurance” as a form of protection in case “ghosts and goblins” visit their house on Halloween. The high schoolers will show up the next day, and clean up your lawn for you.
Image by William Warby on Flickr