ANSWERS TO QUESTIONS ABOUT HAUNTED HOUSE INSURANCE:

QUESTION:
How much does Halloween Event Insurance or Haunted House Insurance cost?

ANSWER:
Halloween Event Insurance, Haunted House Insurance and other types of insurance that will cover Halloween Events (hayrides, pumpkin patches, haunted trails, corn mazes and escape rooms) can vary dramatically depending on many factors including how many people will attend the event, what types of activities will take place during the event, whether or not alcohol is served, whether the event is just to cover the people attending and actors or whether the insurance covers buildings and property as well. There are many factors that will determine the price of Halloween Event Insurance but the average event ranges between $500 a year for minimal coverage and can go upwards of $20,000 a year if buildings and property are included

QUESTION:
How long does Haunted House Insurance cover Halloween Events?

ANSWER:
You can get insurance that will cover your event 90 days (during the regular Halloween season or you can get insurance that will cover events throughout the year.

QUESTION:
Does Haunted House Insurance cover the specific Halloween event or can it cover other types of events?

ANSWER:
It all depends on the type of coverage you are looking for. You can get event insurance that will cover specifically your Halloween event or you can get insurance that will cover other types of events that you might have. Be aware though, they're are various events that Haunted House Insurance will not cover for Instance: Bull Riding, Ax Throwing, various forms of Musical Events or Concerts and other events where additional coverage may be necessary.

QUESTION:
What type of insurance will cover my haunted house?

ANSWER:
The insurance is typically referred to as Haunted House Insurance or Special Event Coverage.

QUESTION:
Does Haunted House Insurance cover my property?

ANSWER:
Again it depends on the type of coverage you are in need of. You can get specialty Insurance that covers both your event as well as your property, buildings, vehicles and more. Talk to a qualified insurance professional to ensure you get the coverage you need.

QUESTION:
Can I get Insurance that will cover my Haunted House as well as other venues that I offer my customers?

ANSWER:
Absolutely. There are some exceptional special event packages that can cover your haunted house, hayrides, corn mazes, pumpkin patches, multiple dark attractions, escape rooms and a myriad of other entertainment venues. You can even get packages that cover events that offer alcohol. For a specific insurance coverage that will suit you contact a qualified, specialty lines insurance agent.

QUESTION:
How do I know for sure if my Halloween Event or Haunted House venue will be covered by insurance?

ANSWER:
The only way to absolutely know is to contact an insurance agency who specializes in Halloween Insurance or Haunted House Coverage. You will find that the majority of Haunted Houses can be covered so long as they comply with the local, state and national requirements.

QUESTION:
Are there things that I have or do that will affect my Premium?

ANSWER:
Yes, there are many things that you might be doing, offering or providing that could have an effect on your insurance rate or premium. Is your event open to the public? What types of stunts do your actors perform? Do you have Pyrotechnics or other entertainment where you use fire or open flames? Do you offer food? Do you offer alcohol? Does your show incorporate animals? Are your attractions 1 story or multiple stories? Do you have armed security guards? Are there stairs or sharp inclines from one floor to the next? Are you covering the event itself or property and buildings? What period of time will your insurance be in effect?

All of these criteria will have an effect on your insurance rates or premium. For specific coverage and rates it is best to have an insurance specialist consult with you.

QUESTION:
Do I need Haunted House Insurance for a Home Haunt or for a Not-For Profit Haunt?

ANSWER:
The simple answer is yes. If you have any type of event where the public attends there is most likely liability. The best way to protect yourself is with the right event insurance.

QUESTION:
If I Offer alcohol can I still get insurance coverage?

ANSWER:
Yes you can so long as you comply wit the local, state and federal laws. It could have an effect on your insurance premium.

QUESTION:
Can my local insurance agent provide the type of Haunted House Insurance that I need?

ANSWER:
HAunted House and Halloween Event Insurance is a specialty insurance and the chances are your auto or homeowners insurance agent cannot provide you with the proper insurance.