It’s officially the best time of the year. Football season!
Everyone knows that football is not the same without watch parties and tailgates! You’ve got the cold drinks, the savory BBQ, and the big screen ready for friends and family to come over and watch your favorite teams all season long. However, there could be one thing missing. Homeowners or renters insurance.
Let’s face it, accidents happen. Especially when you have a rowdy crowd on your hands and your team is deep in the 4th quarter. Homeowners and renters insurance protects you if one of your guests stumbles into your flat screen and it falls to the floor. Or, if someone trips and crashes through that glass table in the living room. With the proper coverage, you won’t be penalized.
If something in your home gets broken or stolen while you have people over, your policy will cover it. But, if you have high-value items that could get damaged or go missing like jewelry, antiques, collectibles, or furs, you will need to add extra coverage – scheduled personal property. Accidents are inevitable, but the best way to avoid losing or having to replace your collectibles is to put them in a safe place, away from the crowd when you are hosting events. Think locked room or basement.
What if Someone Gets Hurt in My House?
Any time you are a host, especially for a high energy crowd, there’s the risk that someone may accidentally get injured. Whether it’s from a touchdown dance celebration or tripping on a rug, homeowners and renters insurance with personal liability coverage will cover it.
If you are serving alcohol, be aware, the Insurance Information Institute (III) warns that hosts can be liable if others are hurt by anyone driving from your party while intoxicated. It’s called the social host liability law. Personal liability coverage will also help in this situation by covering payments of medical bills and lawsuits from someone who was hurt on or off (leaving) your property. There are limits, so you talk to your insurance advisor about an umbrella policy, which will provide much greater coverage.
What Else Can I Do?
Here are some important hosting safety tips you can use during football season:
- Talk with your insurance advisor about any policy exclusions or limitations before you throw a party
- Install proper lighting inside and outside of your home
- Remove valuable items and objects that could cause tripping or falling
- Consider holding your getting together at a restaurant or bar instead
- Have someone sober in charge of monitoring guests
- Encourage the use of Uber and designated drivers
- Lock up pets in a separate location or outside
- Make guests who’ve had too much to drink turn over their keys
Make sure you’re on the winning team if you are hosting a football party. Contact a California Casualty advisor today to make sure your homeowners or renters insurance will protect you in a liability blitz. Call 1.866.704.8614 or visit www.calcas.com.