Millions of Americans will gather together on Sunday to watch the big game. Are you planning on having a few of them over to your home? If so, are you properly prepared?
Beyond the chips and dip, wings, and pizza, there’s one aspect that many homeowners fail to consider: their homeowners insurance policy.
Knowing the ins and outs of your homeowners policy can help you prevent accidents at your party and avoid the likelihood of claims. Here are a few tips to consider.
1. Carefully Examine Your Property
When having guests over – whether it be for the biggest game of the year or a birthday party – it is your responsibility to provide a safe and secure experience for guests. What if someone fell down your stairs because of a faulty rail? Or, what if someone slipped on ice in your driveway?
Carefully examine your property and look for anything that may create an unsafe environment. Be sure to fix anything that needs attention before the party.
2. Check Your Medical Payments & Liability Coverage
Most homeowners policies include medical payments for injuries to guests. However, the $1,000 minimum coverage on a policy may not be enough to cover medical bills for a broken bone. Make sure you have enough coverage so you don’t have to pay for any unfortunate mishaps out of pocket!
Having adequate personal liability limits on a homeowner’s policy is also extremely important when hosting a party. Should an accident occur resulting in legal action, your personal liability limits could prevent you from having large out-of-pocket expenses.
3. Keep Pets in a Safe Location
Don’t forget about Rufus, your furry four-legged friend! Should the commotion and house guests scare poor Rufus causing him to attack out of fear, you could be looking at large out-of-pocket expenses as a result of the attack.
Need to Talk?
With a little foresight, you can ensure your property is ready for a great party. Also, increasing your liability limits on your homeowner’s policy is typically inexpensive and can be a great investment.
At Kincaid Insurance, we’re happy to help customers make sure their policies adequately meet their needs. Give us a call to discuss your policy and see if changing your liability limits makes sense.
And, as always, drink responsibly and do not drink and drive!Request a Free Quote