Halloween Insurance Law Special

Haunted Houses

  • If charging for admission and/or advertising a haunted house, it may be considered a "business activity" not covered by the standard homeowners insurance policy.


  • If the neighborhood kids vandalize the home, the standard homeowners policy should cover that.
  • Believe it or not, many homeowners policies cover vandalism to tombstones of loved ones, even though not located at the home.

Fires Caused By Decorations

  • If decorations catch or start a fire, the typical homeowners policy will cover the damage.

Injured Trick-or-Treaters

  • The standard homeowners policy comes with a liability section that covers against injuries sustained by guests and trick-or-treaters.

Over-Stimulated Dog Bites

  • Dog bites to trick-or-treaters and guests may or may not be covered by the standard homeowners policy, depending on the jurisdiction.

Insurance Costume Ideas

  • Flo from Progressive
  • Jake from State Farm
  • Mayhem from Allstate
  • Aaron Rodgers "Discount Doublecheck"
  • GEICO's lizard