Homeowner's Academy

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5 Spooky Halloween Home Insurance Nightmares

by PTI Marketing | Sep 25, 2019
halloween pumpkin sitting on outdoor stair railing

Halloween is a holiday filled with endless bags of candy, fun frights and creative costumes that many of us look forward to each year. 

However, as Florida homeowners, we need to be aware of the hazards Halloween brings.

Here are 5 common household liability issues that arise during Halloween and how to avoid them. 

“Trip” or Treat

Decorating your home can be exciting but you don’t want to get too carried away. Carefully think through where you are placing your decoration objects so that trick-or-treaters have a clear path to your home. If someone were to trip and fall over a decoration on your property, you may be liable for their injuries. Try to resist using low lighting, bright lights are best so people can see where they are going. So make sure to have a well-lit clear path on Halloween night!

Decoration Danger

A popular Halloween tradition is Jack-o-lanterns, as festive and as creative as this tradition can get, they also lead to home fires every year. If you are planning on lining your sidewalk or porch with lanterns then opt for little LED candles instead of real ones. Candlelit decorations can easily be knocked over and start a home fire. If you are using decorative lights to show off your Halloween spirit, you want to ensure they don’t turn into a fire hazard. Check for broken or cracked sockets, frayed wires or loose connections and discard any damaged lights.

Scaredy Cats (and Dogs)

Cats and dogs may get overwhelmed by the constant excitement of children ringing the doorbell causing them to dart out of the door. Unfamiliar masks and costumes may trigger their protective instinct resulting in them biting or attacking trick-or-treaters. To avoid this keep your pets in a separate room away from all the Halloween excitement. Keep in mind Halloween treats like chocolate and some types of candy are extremely toxic to pets and may trigger a life-threatening allergic reaction if ingested. Remember to keep any trick-or-treat candy away from your pets.

Review Your Homeowner’s Insurance Policy

Now is the perfect time to look at your Florida homeowners insurance policy, we recommend reviewing it once a year. With the changing of seasons and different guests arriving at your home, you want to give yourself and your visitor’s peace of mind this Halloween by making sure you’re covered in the event of an accident.

Halloween Eve Pranks

Whether it’s called “Mischief Night”, “Devil’s Night” or some other regional variation, the night before Halloween is prime time for pranksters to unleash their villainy. On this night people cover homes in eggs and toilet paper, smash pumpkins and windows and even break into homes. To avoid this you want to keep your house well lit, cut back trees and shrubs and report any suspicious or criminal activity to local authorities.


With a little precaution, you’ll have a safe and fun Halloween! Don’t let these common home insurance nightmares ruin your celebration. People’s Trust Insurance wishes you a fun and safe Halloween!

Image: Party photo created by rawpixel