Texas Living

Ghouls, Goblins, and Vandals, Oh My!

By Jennifer Chappell Smith 10.26.15

Halloween is known for more than just candy and costumes; it can also inspire pranksters to commit some sinister tricks. Personal vehicles are almost twice as likely to be vandalized on Oct. 31 than on any other day, according to data from the Highway Loss Data Institute. And if ever your home gets egged or toilet papered, Halloween is a likely day for it to happen.

How can you protect your property? “Stay home — and be on the front porch,” says Darrell Allen, Texas Farm Bureau Insurance Agent in Dallas County, laughing.

Actually, it’s not that bad of an idea. While it’s impossible to stand guard all night long, passing out candy from your driveway or porch, where you can see who is approaching your home, can help deter pranksters.

Brightly lit houses where people appear to be home are also less of a target than properties that look dark and deserted. It’s also a good idea to keep your automobiles in a garage, if possible. And if you are greeting trick-or-treaters at the front door, remember to lock it once the night comes to a close.

If, despite your best efforts, an act of vandalism happens to you, Allen recommends alerting authorities. “Call police and document everything,” he says. Before cleaning up, he suggests homeowners video record the damage along with audio narration.

Fortunately, Allen says homeowners with average coverage won’t have to suffer a Halloween fright over vandalism, as most auto and home insurance policies cover it.

Now, that’s a sweet treat.

Protect your home all year long with this guide for easy, inexpensive ways to deter burglars.

Coverage and discounts are subject to qualifications and policy terms and may vary by situation. © 2015 Texas Farm Bureau Insurance