10/29/2013 - Are you ready for a Trick or a Treat?
Halloween is only a few days away – and if the spookiest holiday of the year is anything like previous ones, there will be plenty of trick-or-treaters ready to greet homeowners - hoping to score a delicious treat from their family, friends and neighbors.
According to the U.S. Census Bureau, there were approximately 41 million trick-or-treaters in 2011, the latest year for which data is available. And that's just among children between the ages of 5 and 14. Considering people of all ages, the total number could be closer to 50 million.
While most kids will go door-to-door on October 31, a number of communities will designate some of the evenings immediately prior to the final day of October for candy gathering activities. But whether it's a couple days prior to Halloween or on the day of, accidents can take place on residential property, potentially leading to a homeowners insurance claim.
Jeanne Salvatore, senior vice president and consumer spokesperson for the Insurance Information Institute, reminded policyholders that it's worth considering updating their coverage plans, especially if they expect a lot of young kids to be knocking on the door Halloween night.
"If you're worried about your home or apartment being damaged by a small army of trick-or-treaters dressed like zombies … call your insurance agent, broker or company representative," said Salvatore. "They can help explain your insurance coverage, suggest upgrades to your policy and even offer tips to keep your home safe this holiday season."
The III offers some recommendations of what these preparations ought to include.