All’s fiendish and ghoulish on Halloween night,
when the streets are alive with undead fright.
From zombies to pirates to ghouls to witches,
the kids will go home to count up their riches.
Don’t be the house that gives out the raisins
or next year they’ll come with the TP a-blazin’!

It’s Halloween! The kids are jacked up on sugar. The parents are dipping into the trick-or-treater candy. And nurses, pirates, and kitty cats just got a whole lot sexier.

But Halloween isn’t all fun and games. Beneath its sugary veneer lies something sinister … MUHAHAHA!

Okay, maybe it’s not quite that grave, but Halloween dangers do exist, especially for homeowners. Take a look at some potential hazards that could be in store this All Hallows’ Eve and make sure you’re prepared before the sun goes down.

Halloween dangers

Scenario 1: Fire

You’re a Halloween purist and refuse to use LED lights in your jack-o’-lanterns. After placing the carved pumpkins in your kids’ “Tree House of Terror,” you stand back to admire the candlelight’s haunting flicker. That is, until a strong gust of autumn wind knocks the candles over and sets the tree house ablaze. Thankfully, no one’s hurt but your poor pumpkins. And, believe it or not, homeowners insurance will often pay to replace the structure.

Next year, try the flickering LED lights (no one will know).

Scenario 2: Liability

Your normally gentle dog has an irrational fear of ghosts. When a group of trick-or-treaters comes to your door, he tackles a young ghoul who ends up falling and breaking his wrist. The ghoulie’s parents are now suing you to recoup the medical costs. Thankfully, homeowners insurance can kick in to help pay for liability.

Next year, make sure your dog is safely secured in another room with lots of chew toys and perhaps a Scooby-Doo marathon (those ghosts are never real).

Scenario 3: Burglary

While you’re taking your mummy and pirate trick-or-treating, an opportunistic thief (dressed as a robber) breaks into your house and steals your laptop, silverware, and candy. Though homeowners can’t replace the Bermuda pics that were on your hard drive, it can replace your belongings.

Next year (or sooner), you may want to consider installing an alarm system — you could score a homeowners insurance discount!

Scenario 4: Vandalism

You wake up on November 1 to find your living room window shattered. Among the shards of glass is a lone red apple. Granted, you probably shouldn’t have handed out apples instead of Snickers bars. But regardless, that’s vandalism and you’re covered.

Next year, hand out candy. Just do it.

Check your homeowners coverage

By taking a few simple precautions, you can usually make it through Halloween unscathed. But nonetheless, it’s a good idea to make sure your homeowners insurance is up to date before an incident occurs. Esurance recently launched homeowners insurance in Wisconsin, with more states to come soon. And don’t worry, if we’re not in your state yet, you can still find reliable home insurance through our partner. Check out our homeowners insurance page for more info on how we can help protect your home from these and other dangers.

We hope you have a safe and happy Halloween.

Related link

Here’s one more Halloween threat worth preparing for … ZOMBIES!

Homeowners 101


about Jessica

During her time as senior copywriter at Esurance, Jessica wrote about everything from automotive trends to insurance tips to driving dogs (it’s a thing!). In her free time, you can find Jessica hiking with her dog (who cannot drive), devouring a good mystery, or very slowly learning Spanish.