Agree with deborahbh. When we did the home/yard haunt we increased our liability to one million on our agents advice (he is also a neighbor). It only cost $12 a month more for this. I think it's well worth it to make sure you are covered in case of accidents.If you are concerned about liability coverage, regular homeowners insurance should provide some coverage you (as long as you do not charge admission). You should read your policy carefully and talk to your agent. Renters insurance typically covers liability also. If you have lots of visitors, you may want to up your liability limits. I have opted for the maximum limits my insurance allows. Additionally, my carrier (State Farm) has an umbrella liability policy that I purchased separately from my homeowners. That policy extends my liability coverage to one million. This umbrella policy was relatively cheap (under $200/yr) for my husband and I. Even better, it covers not only Halloween visitors to my home, but also liability resulting from other accidents, which are far more likely to occur.