Rance DeWitt

I proudly serve Neshoba County and surrounding areas as your local State Farm Agent and have been doing so since April 2017. With a licensed staff, our office offers a combination of over 35 years experience in the insurance and financial services industry. Call, text, or come by today for a free quote on auto insurance, home insurance, business insurance, life insurance, health insurance- we would love the chance to earn your business!

Every year, as the calendar flips to October, the atmosphere shifts. Pumpkins glow on porches, costumes fill store aisles, and the excitement of spooky season takes hold. From haunted houses and trick-or-treating to fall festivals and eerie decorations, this time of year is full of fun—and some inherent risks that are often overlooked.

While ghosts and goblins are just part of the Halloween lore, real hazards can come with the season’s festivities. That’s why understanding the role of insurance during spooky season is important to avoid turning a fun time into a frightening financial situation.

Homeowners Insurance: Guarding Against Seasonal Risks

Halloween decorations, while festive, can sometimes lead to accidents. From electrical issues caused by string lights to potential fire hazards with candles in pumpkins, the risk of property damage increases during this period. Homeowners insurance typically covers damage from fire, vandalism, or even theft—important if your decorations attract unwanted attention. Additionally, if guests visiting your Halloween party get injured on your property, your liability coverage can help cover medical expenses or legal fees.

Auto Insurance: Safe Travels Amid Festivities

During spooky season, roads can be busier with families going to parties, haunted attractions, or pumpkin patches. Kids darting across streets in costumes may be harder to see, increasing the chance of accidents. Having comprehensive auto insurance with good liability and collision coverage ensures you’re protected in case of an accident during this hectic time.

Health and Life Insurance: Preparing for the Unexpected

Accidents can happen—whether it’s a fall while carving a pumpkin or a minor injury during a costume party. Health insurance helps cover medical costs so you can focus on recovery rather than bills. Life insurance, while not directly tied to spooky season, can put your loved ones' minds at ease year-round.

Business Insurance: Protecting Seasonal Ventures

For businesses running haunted houses, pumpkin patches, or Halloween-themed events, insurance is critical. General liability insurance protects against customer injuries, while property insurance covers damage to your venue or equipment. Event cancellation insurance is also worth considering, especially in unpredictable weather or health-related shutdowns.

Tips to Stay Safe This Spooky Season

• Use battery-operated candles instead of real flames in decorations.

• Keep walkways clear of tripping hazards.

• Ensure costumes are visible at night with reflective materials.

• Drive cautiously and watch for pedestrians.

• Review your insurance policies to confirm adequate coverage.