海角大神

Make-believe monsters, witches and goblins vie for our attention each Halloween, but Fright Night is also the ideal time for real wrongdoers to wreak havoc undetected.

On average, crime-related insurance claims spike by 24% on Halloween, more than on any other day of the year, according to 2016 data from听Travelers Insurance. This includes particularly sharp increases in theft, both inside and outside the home, and vandalism.

Property crime at a glance

Burglaries skyrocket

Among听property crimes, home burglaries experience the largest increase听on Halloween, says Angi Orbann, second vice president of personal insurance at Travelers. Insurance claims due to theft inside the home go up by a whopping 60%.

It鈥檚 tempting to assume no one would dare break in when there are so many witnesses walking the neighborhood, Orbann says. As a result, people often drop their guards just when they should be most vigilant.

Thieves don鈥檛 just strike at home

Most folks hit the streets in search of candy on Halloween, but prowling thieves have their eyes on more valuable goodies, such as a smartphone left in your car. Insurance claims for theft away from home spike by 21% on Halloween, proving your house isn鈥檛 the only hot spot for opportunistic criminals.

Property damage also a concern

All Hallows鈥� Eve is known for pranks, and the numbers suggest the reputation is well-earned. Claims due to vandalism and malicious mischief rise by 19% on Halloween. This is a fairly broad category of crime, Orbann says, ranging from relatively innocent home-egging to more purposely destructive acts, such as smashing car windows.听听

How to secure your home and belongings

Turn lights on if you leave the house

People often听turn out all their lights to notify听trick-or-treaters that they鈥檙e not at home, Orbann says. Unfortunately, a dark house is also a green light for prospective burglars and vandals.

It might confuse candy-expectant kids, but Orbann recommends leaving some lights on when you鈥檙e away from home and even switching on the the TV. Also consider motion-detecting lights for your yard.

Keep your plans off social media

Leaving the house dark isn鈥檛 the only way you might accidentally attract burglars. Be mindful of other hints that your house is empty 鈥� such as announcing your evening plans on Facebook.

Make your car look empty

Most Halloween thefts that occur away from home involve belongings in a car, Orbann says. Avoid leaving electronic devices, wallets, sunglasses and other valuable items sitting on the seat or dashboard. She also recommends tucking away car accessories such as USB cords.

If you often leave your car听in the driveway or on the street but own a garage, Halloween is a good time to park in听it.

Review your insurance

Even if you can鈥檛 avoid Halloween property crime, you can make sure your听home insurance听will help you recover from it.

鈥淲e really encourage people to take a home inventory,鈥� Orbann says. Having a ready list of all your belongings and what they鈥檙e worth can speed up the claims process, she adds.

If you鈥檙e turning your home into a haunted house and charging admission, you should also verify your coverage with your insurer. That might be considered a business activity, Orbann says, meaning your homeowners insurance wouldn鈥檛 cover property crimes that occur during the event.

And keep in mind that your home insurance doesn鈥檛 pay for vandalism to your car. Make sure you have comprehensive coverage on your auto policy, or the cost to replace the egg-eaten paint on your bumper might come out of your own pocket.

Alex Glenn is a staff writer for NerdWallet, a personal finance website. Email:aglenn@nerdwallet.com.

The article听Halloween Is No. 1 Day for Free Candy 鈥� and Property Crime听originally appeared on听NerdWallet.