Halloween can be fun for the young and young at heart, but it can also be a bit scary if you're unprepared for the potential hazards due to an influx of visiting vampires, ghosts, and Disney characters. Do you know if you're properly covered by your homeowners' insurance company? The average consumers don't read every paragraph of their homeowners' insurance policies when they're first issued — and are even less likely to pull the policy off the shelf, dig through old emails or log in to find it online. Unfortunately, this means that many are unaware of the potential issues faced by homeowners when scary little visitors come calling. We've compiled five simple questions to ask yourself or your agent this October to make sure you're covered for any unexpected tricks. Todd Kozikowski is the co-founder and chief revenue officer for Clearsurance. He can be reached at [email protected]. Keep reading...

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