Trick Or Treat, Or Insurance Claim?

A cornerstone of Halloween — little kids and their parents scampering door to door in search of candy — is a source of hair-raising risk for homeowners, according to a homeowners insurance expert weighing in recently in three risks associated with the holiday.

“(Halloween) actually presents a scary situation you may not think about — a potentially expensive Halloween-related lawsuit,” wrote Pat Howard, a personal finance writer at Policygenius Magazine, in a blog post in late September.

“Any accidents that happen on your property during the spookiest day of the year is a liability risk for homeowners, so it’s important to make sure you have enough homeowners insurance.”