Should you file a claim for Halloween tricks?
As Halloween inches closer, you’re probably not thinking about insurance – but you should be. In the unlucky instance you don’t receive treats on the 31st, you’re going to need to know how much of a trick is worth making a claim.
If you’re one of the thousands that don’t want to find themselves scraping eggs off your house or scrubbing spray paint off your driveway, these tips are for you:
Warding your house against mischievous spirits: Keeping your outside lights on or installing motion-activated lights, parking your car in the garage, and taping over your mailbox are simple ways to discourage would-be vandals from targeting your house and car. And don’t underestimate the power of just sitting on the porch during trick-or-treating hours, no spells needed!
Assessing curses: If the damage can easily be undone, like picking up toilet paper or cleaning up smashed pumpkins, then you will not need to summon your local insurance agent. Most Halloween tricks are minor, and if the only thing it costs you is time and frustration, filing an insurance claim will not be necessary.
Vandal, vandal, toil, and trouble!: For slashed tires, broken windows, and other hexes, look over your insurance plan to see if vandal coverage is included. Auto insurance does not usually cover vandalism, as most auto insurance covers damages the car owner and other drivers cause, not damage a pedestrian has caused. For houses, haunted or otherwise, superficial damage like spray paint might not be covered depending on your plan, but structural damage, like broken windows, certainly is!
Knowledge is the greatest magic there is to us mere mortals, so know where you’re covered and where you’re not so you can enjoy your annual Hocus Pocus rewatch in peace.
Happy Halloween!
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