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

"If a guest is injured on your property, the personal liability coverage in most homeowners or renters insurance policies will pay for up to $500,000 in claims per person injured."
"In Los Angeles County, most cities require at least one person to fill out a block party application, apply for a permit from the city and get special-event insurance."
Read at Los Angeles Times
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