Property Insurance Can Cover Halloween Tricks

Halloween can be a blast for youngsters, although some find fun in more than just trick-or-treating.

Homeowners may wonder what happens if Halloween hellions cause damage to their home. Property insurance should cover costs associated with vandalism. The same goes for the comprehensive coverage offered through auto insurance.


However, consumers will want to assess whether getting the repairs fixed through a property insurance policy is really worth it. If damages are less than the deductible, filing a claim may not be worth it.

What could be an advantage, however, is if law enforcement authorities catch a vandal in the act. Doing so means a consumer's insurance provider could try to pin the costs on the perpetrator.


As with any kind of property damage that warrants involving a home insurance company, policyholders will want to report the mishap as soon as possible. Taking photos could also help the claims process move along quicker.

Preventing vandalism may be the best way to avoid trouble in the first place. Homeowners should make sure their property is well-lit, which should discourage people from targeting it.