Halloween is full of fun — from trick-or-treaters to haunted decorations — but it can also bring unexpected “tricks” for homeowners. At Moore & Associates Insurance, we want to make sure the only frights you experience this October are on purpose.
Common Halloween Risks
- Property Damage: Pumpkins, decorations, and lighting setups can create fire or electrical hazards. Homeowners insurance often covers fire damage, but not every incident — so double-check your policy.
- Trick-or-Treat Accidents: If a visitor trips on your walkway or driveway, liability coverage can help with medical expenses.
- Theft or Vandalism: Mischief Night isn’t all fun and games. Most homeowners policies include protection for vandalism, but make sure your deductibles are reasonable.
How to Stay Protected
- Keep walkways well-lit and clear.
- Use flameless LED candles inside pumpkins.
- Confirm your personal liability limits before hosting guests or events.
A little preparation can go a long way in avoiding Halloween-night headaches. Our local agents at Moore & Associates Insurance are here to review your coverage and ensure your home and family stay protected — no matter how spooky the season gets.
📞 Call 843-839-5076 or visit mooremb.com to request a coverage review today.