While Halloween is meant to be fun, you may occasionally encounter someone who likes tricks more than treats. Luckily, insurance could cover holiday hazards.
For instance, if your yard or porch decorations are damaged or stolen insurance may cover that. Likewise, if your car gets egged or damaged in any way by pranksters, comprehensive insurance should cover it.
Take care while driving and be aware of trick-or-treaters in your neighborhood. Park cars in the garage or a well-lit area. Practice fire safety by using battery operated candles in your pumpkins to prevent fire.
Additionally, find time this weekend to check your smoke alarms to make sure they work. Daylight Saving Time ends on Sunday and is a reminder to check those life-saving devices. Smoke alarms should be tested once a month, batteries should be replaced once a year, and the entire alarm should be replaced every 10 years.
There have been 51 fire deaths investigated by the State Fire Marshal's Office so far in 2020. In nearly 59% of those cases there was either no smoke alarm in the home or the smoke alarm was not working.
“At least 30 lives might have been saved this year if there had been a working smoke alarm in the home,” said State Fire Marshal Mike Chaney. “A working smoke alarm cuts your risk of dying in a fire in half. You should have one near each bedroom in your home. I also recommend installing a carbon monoxide detector in your home.”