How to Protect your Home from Trick and Treaters
Celebrating Halloween usually includes buying sweets, costumes, pumpkins and scary decorations. Whoever thinks about checking on the insurance policy for Halloween?
Although homeowners insurance is not usually the first thing that comes to mind at Halloween, it should be one of the items near the top of the Halloween list. The mere fact of a stream of people visiting the property increases the possibility of a homeowner’s insurance claim.
Homeowners are advised to remain vigilant and ensure their policies are properly up to date as trick and treaters draw near. House insurance claims rise by 300% on Halloween, according to Axa Insurance, with 3.6 million homeowners facing damage to their properties as enthusiastic revelers go too far, sometimes intending to deliberately cause damage.
Claims include broken windows, theft and damage caused to paintwork by broken eggs and flour-bombes by excited Halloween pranksters. Some home owners decide to move plant pots, statues and outdoor furniture out of sight or securely lock away. Any damage caused to your property by an unknown third party is covered under your home insurance policy but you should still be aware, as antisocial damage is a criminal offence that can also cause a lot of emotional stress.
Many people turn off their lights and pretend to be out to avoid answering the door to trick or treaters, but police and local councils say it is more effective to display a ‘No trick or Treat’ sign in the porch or front window. Your councils and local police stations may have printable posters for homeowners to download on their websites.
Meanwhile, Trick and Treaters are advised to play safe by respecting "No trick or treat" signs, only ringing the door bells of people they know, not entering houses, and staying in well-lit areas.
Better still, why not play safe and stay away from visiting local homes and attend a public event in your area such as the Halloween Party at the Dukes Head in Hampton Hill organized by the Greenwood Community Centre. The event is from 7:30pm to 11pm with a welcome drink, three course buffet dinner, disco, games and a grand raffle with lots of super prizes. There’s no pressure as fancy dress is optional with a prize for the best costume.
For the Twickenham community there is a Halloween event in Church Street, Twickenham on 30th October starting at 12:00pm until late with a host of goodies and fun entertainment for all the family.
Have a Happy Halloween from Cheers Insurance Brokers
Member since: 9th December 2011
Local, general Insurance Brokers in Hampton Hill High Street, open Monday to Friday.
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