Okay, so let’s have a talk about our favorite, Halloween-themed family: the Addams Family. Yep. First of all, their theme song is epic. It’s immediately recognizable and it’s just the essence of Halloween. Second, they live in a pretty sweet haunted house mansion thing. But how would one insure that thing? There are a lot of things to consider.
The Addams family would probably want to get a home insurance policy for their haunted house. They want to make sure they can restore their scary house to its spooky glory if something happens.
A home insurance policy would likely include…
Dwelling coverage: This protects the physical structure of the house from losses like fire, theft, vandalism, hail, etc.
Personal property coverage: You know, for the family’s belongings. They probably have a lot of stuff in that house, right? They probably want to be able to replace stuff like their clothes, furniture, and so on.
Other structures coverage: Who knows, maybe they have a garden shed out back where they keep their spare…spooky stuff.
Additional expenses coverage: If the Addams Family house was uninhabitable due to a covered loss, they’d have to pack up and live elsewhere for a while. ALE coverage can help them take care of the extra expenses they encounter because they can’t stay in their haunted house.
Liability coverage: Liability coverage can help the family if they get sued for property damage or bodily injury. It can help cover the injured party’s medical expenses and the family’s legal fees.
The Addams family might be mysterious, and they might be in a perpetual state of “Halloween”, but they know that it’s important to get the right insurance. Speaking of, you can get started with home insurance quotes by filling out the online form, giving us a call, or messaging us on LiveChat.
Disclaimer: We are not affiliated or associated in any way with the companies listed. Each name and character is a trademark of that respective company. This article is for informational purposes only and does not supersede any language in the actual policy itself. Please refer to your policy for deductibles, exclusions, and other provisions.