While many haunted house insurance policies strictly cover liability exposure of people going through the haunted house, some may even cover incidents when people aren’t in attendance. Occurrences such as fire or vandalism can be part a haunted house policy, but they may also be covered by the property owner in existing insurance.
The Scary Stuff
So what about the really terrifying, multi-level haunted houses? Will they have to pay more to insure their haunts this fall?
“There are things that could stop a haunted house from getting insurance, it’s not necessarily a raising of the rates,” he says. “We won’t write anything with movable floors or a slide, and we typically only cover single-story houses, though we do make exceptions depending on the facility.”
But there is one universal scenario: houses where actors are able to touch patrons.
“The largest risk inside a haunted house is actually teenagers,” Frazier says. “They get scared and want to run, but they get tangled up and trip.”
There are some rules that must be followed in order to get haunted house insurance, including proper stairway lighting, and children of a certain age being accompanied by an adult. Haunts must also place proper signage discouraging pregnant women and people with heart conditions from entering, because related issues may not be covered by haunted house insurance.
