October can be a “scary” time of year, but it doesn’t have to be frightening for those who take the proper precautions in protecting their property. With that in mind, here are…

Five ways to ward off scary insurance mistakes that can stop you dead in your tracks this Halloween season:

1.Protect against uninsured and underinsured drivers.

It’s estimated that one-out-of-seven drivers don’t have insurance. But, there are many more drivers that purchase bare minimums. Make sure you have protection with uninsured/underinsured motorist coverage. For about 20 cents a day, you can be protected against unexpected medical bills if you or your vehicle is hit by an uninsured or underinsured driver whose mask slipped over their eyes.

2. Purchase renters insurance.

Many renters think their landlord’s policy will cover them in the event of a fire, storm or other malady. Your landlord’s property insurance only covers the building, not the things you own. Renters insurance covers your prized possessions, loss of use of the home or apartment you rent and liability protection in case someone gets hurt on the premises. Plus, the cost is as little as $10 to $20 a month.

3. Make sure you have flood and earthquake coverage.

Most homeowner or renters insurance policies do not include damage from flood and earthquakes. Without separate flood and earthquake insurance, you could be stuck paying for all the damage and a place to live if your home is uninhabitable.

4. Have appropriate insurance for your home or vehicle.

What happens if jack-o-lantern candle accidentally starts a fire? Or someone trips and falls on your steps? Without enough coverage for the damage or liability, you could be paying out of pocket for a claim.

5. Update your coverage.

Did you recently add a new room to the house or have you purchased new electronics, appliances or jewelry? Maybe you got married in the past year or have a new driver in the household. Get a policy review to make sure the new items you purchased are covered. Additionally, you should update your insurance after a life event such as marriage, divorce or there is a new driver in the house.

Don’t make any scary insurance mistakes that will haunt you. Connect with a California Casualty advisor today!

This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.