How to protect yourself against potential Halloween horrors — a fire, injury or allergic reaction

A pedestrian is ghosted while walking past a home decorated for Halloween on Stansbury Avenue in Sherman Oaks. A standard insurance policy may also cover claims stemming from a Halloween party at your home, experts say. Halloween decor and fire safety Drive through any neighborhood in Los Angeles County and you’ll find several homes with a giant inflatable pumpkin, Jack Skellington or ghostly arch. The good news, Giusti said, is that if your handmade treat causes someone to have an allergic reaction that requires medical treatment, there’s a provision in the standard homeowners insurance policy called medical payments for others that covers you. It’s common for a front door to have a Ring doorbell or other camera-equipped home security device, and Swain said you can use that to your advantage on Halloween.