Every year millions of Americans  go to their  garage and pull out all their Halloween Crafts, decorations, etc.  We then go to the store and stock up on candy to pass out to all those little ones dressed up as Vampires, Cinderella, Hanah Montana, etc.  However, passing out candy could put you at risk of being sued.  Therefore, we need to have the proper home insurance.   The risks of being sued by a “trick or treater” have increased over the years as our society has become one of, well, I would “Sue em” attitude.  Some common risks of being sued can be you being passing out candy to a lttle one and they choke on it and need to go to the emergency room.  The doctors, will want to know who gave them the candy.  You need to have the proper home insurance for liability coverage in case you are proven to be at fault.  Also, if trick or treaters are walking up to your house you need to make sure they have a clear path to your door.  If they slip and fall on your property, you could be liable.  In cold weather states, you will want to shovel any snow that may have fallen.  Michigan home insurance customers need to make sure their company will cover them if the trick or treaters sue them for neligence.   If your home is like our house on Halloween, then you will be serving alcohal.   Make you any guests does not drink and drive because you will be sued for serving them if they get into a car accident and hurt another driver. Make sure you have at least $300,000 in laiblility protection on your home insurance.  The most common reason for someone falling on your property during Halloween is triping on their own costume.  In states like Texas where a popular costume is that of a cowboy, most lil’ ones do not know how to walk in those Garth Brooks Cowboy boots and can cause serious injury when they are running up to your door for their free M & M’s.  Make sure your Texas home insurance policy has coverage for this.  Yee Ha!