With March Madness ahead, be sure to protect yourself if you host a game-day party at your home. While homeowners who host parties only intend for their guests to eat, drink, and have fun, sometimes incidents happen … and that can be costly to the homeowner.
What if a guest slips and falls? What if a guest gets food poisoning and needs medical attention? Or has too much to drink, then drives, and causes a crash? Or a fight breaks out causing injury? These are unpleasant to think about when planning a party but homeowners should always be prepared.
Before hosting a party, talk to your insurance agent about your homeowners insurance policy. Your agent will help you determine whether you have adequate liability coverage. Most homeowners insurance policies provide coverage for bodily injury, property damage, and legal defense if a homeowner gets sued in civil court as a result of an occurrence that is covered by the policy. Also, your insurance agent can help you determine if you need an umbrella policy (also called a personal liability umbrella policy) because it offers an additional level of protection beyond the limits of a typical homeowner’s insurance policy.
Tips for homeowners planning to host a party:
- Pay attention to hazards on the property that could take your guests by surprise, such as steep steps or a hole in the ground.
- Warn guests about any hazard on the property that they should avoid.
- Ensure there is adequate outdoor lighting during times when guests will be arriving and leaving.
- Take special care of items on the property that may attract children, such as a swimming pool or trampoline, and reinforce to guests that their children must be accompanied by an adult at all times.
Have designated drivers identified and ready to drive home every partygoer who has been drinking … or use a local taxi service.