Halloween is arguably the time at which the most strangers visit your home over the course of a few hours. Even though each of these visits is short, there's always the chance that someone could get injured, that you'll be held liable and that the incident could lead to an increase in your home insurance rate. This is especially a concern because many of the visitors will arrive in the dark, and in an effort to make your yard spooky, you might even have your exterior lights off.
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