Your homeowners insurance policy plays no tricks on your home.

Halloween is one of the best nights of the year for children! They get to dress up in full costumes, the neighborhood is thriving, and there is a plethora of free candy - what's more to love? With children hyped up on sugar and the excitement of the night, their mischief can easily turn into mayhem. Luckily, you can cackle your way through the evening because your homeowners insurance policy has you covered!

• Vandalism: If tricksters egg your home for giving away one piece of candy instead of two, and the home repairs exceed your deductible, your insurance will kick in. With that said, that's no excuse to skimp on the candy for the well-dressed vampires.
• Fire: Those jack-o'-lanterns may look nice, but an exposed flame in a hollowed out vegetable sure does spell out 'fire'. Not to worry, homeowners insurance protects your home and belongings from a fire that may break out due to string lights or an exposed candle!
• Injuries: Trick-or-treaters who are injured on your property are covered by the homeowner liability portion of your policy. But, before the evening begins, clear your path or driveway so that the risk is minimized.
• Auto: If you're driving and swerve away from the child dressed as the Grim Reaper that you didn't see crossing the street, the collision coverage in your auto insurance will take care of the damages.

To avoid all sorts of Halloween nightmares, ensure that the pathway to your home is clear of obstructions, it is well lit, and opt for battery-powered tea lights instead of naked flames in your jack-o'-lantern! Ensure that your insurance is efficient for your home and car over the Halloween night. Contact Bell Black Insurance for the peace of mind in reliable insurance policies, serving Idaho Falls, Island Park, Driggs, Victor, Swan Valley, Ashton, and the neighboring communities in Idaho, as well as Jackson and Star Valley in Wyoming.