Halloween is a time for frightful fun, lighthearted costumes, and community spirit ā but it can also mean an increase in anti-social behaviour. Vandalism, damage to property, and theft are more common during this festive night. With longer evenings and more activity outdoors, it’s wise to take extra steps to protect your home.
š» Halloween Hazards to Watch Out For
While most trick-or-treaters mean no harm, insurers see a rise in claims each Halloween. Common risks include:
- Vandalism: Graffiti, smashed decorations, and broken windows
- Egging or flour bombing: Can cause lasting damage to paint or surfaces
- Theft: Busy streets offer cover for opportunists targeting visible or accessible homes
- Decoration damage: Whether deliberate or accidental, outdoor displays can be ruined
š”ļø Top Tips to Secure Your Home
Motion-sensing lights are great deterrents. A well-lit entrance makes suspicious behaviour more visible and less likely.
Modern systems allow you to monitor your property in real-time. Footage can be used as evidence for police or insurance claims.
Move valuable garden items, ornaments, and decorations to safer areas or indoors to prevent theft or damage.
Whether you’re out or home, double-check locks on all entry points. Itās easy to forget during the excitement of the evening.
Exchange contact info and keep an eye on each otherās homes, especially if someone is away for the evening.
Park your car in a garage if possible, and keep keys away from doors and windows. Cars left outside are more vulnerable.
š How Home Insurance Can Help
Even with precautions, accidents or vandalism may still occur. Thatās where your home insurance can come in:
- Vandalism or malicious damage: Most buildings insurance will cover costs from break-ins or intentional harm.
- Theft: Contents insurance can help replace stolen items from inside or outside the home.
- Accidental damage: Some policies may cover unintentional damage from Halloween guests or trick-or-treaters.
Note: Damage caused intentionally by someone inside your home may not be covered. Review your policy or speak to your insurer to understand whatās included.
š§ Have a Spooktacular Halloween and Stay Safe
Halloween is a wonderful time to connect with neighbours and enjoy some frightful fun. With a few simple precautions and the right insurance, you can relax and celebrate stress-free.
From all of us at Caleb Roberts Insurance Services ā wishing you a fun, safe, and spook-free Halloween!