When the air gets crisp and the pumpkins come out, it’s time for spooky movies, candy bowls, and haunted houses. But you know what’s even scarier? Insurance gaps that come back to bite you.
Many homeowners and drivers don’t realize their coverage has gaps
—until it’s too late. This Halloween, do more than dress up. Review your insurance policies and scare off those lurking surprises.
👻 What’s an “Insurance Gap”?
An insurance gap is any scenario where you assume you’re covered, but you’re actually not—or not fully. These often occur because of outdated policies, limited coverage caps, or missing endorsements.
🎃 Common Home Insurance Gaps
- Dog Bites & Party Liability: Hosting a Halloween party? If a guest slips on your porch or gets nipped by your pup, are you covered?
- Haunted Decor Mishaps: What happens if a fire starts from your spooky candles or overloaded extension cords?
- Home-Based Business Inventory: Selling crafts or treats from home? Your homeowners policy might not cover business-related losses.
🔑 Tip: Ask for a home insurance policy review to ensure you’re protected from fire, liability, and holiday hosting mishaps.
🚗 Auto Policy Gaps You Shouldn’t Ignore
- Uninsured Motorist Coverage: What if your parked car is hit during trick-or-treating and the driver flees?
- Comprehensive Coverage: Halloween vandalism—like egging or keying your vehicle—might only be covered if you have comprehensive insurance.
🛡️ Reminder: Now’s a great time for an auto policy review to avoid scary surprises in the event of damage or theft.
🕸️ Scary Mistakes That Cost People Big
- Skipping renters insurance for college kids or roommates
- Letting coverage lapse during off-seasons
- Not adding endorsements for valuable items or home businesses
Don’t Let Gaps Haunt Your Finances
A quick home and auto policy review can expose scary mistakes before they turn into real nightmares. Whether you own a home, rent an apartment, or drive around town with a trunk full of decorations—make sure you’re covered this Halloween.
📍Get a Homeowners Insurance Quote in Albuquerque, NM
📞 Call ABQ Insurance at 505-217-2100 to review your policies or request a free quote.
We’ll help you make sure the only scares this season are the ones you want.
