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Feeling unlucky? How to hide from scary Halloween home insurance claims

Last updated Oct. 18, 2011

black catHalloween is the time for make-believe thrills, but your spooky celebration could result in a real-life scare: A claim against your homeowner insurance policy.

A trick-or-treater whose mask impairs his or her vision may trip on your walkway, leading the parents to sue you for health care costs. And your Halloween party will be spoiled if one of your guests gets into a car accident after having too much to drink.

But you can try to hide from the forces of darkness. Here are common Halloween mishaps and explanations of what home insurance typically covers.  

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