If you’re hosting a party at home, then you might want to show off the whole place to everyone. Perhaps, it’s just a housewarming party or a small family BBQ. The most important thing is that you should understand how an unexpected event could affect your home insurance policy. Here are some things you have to watch out for.
Damage to Your Home
If you're having a small party at home or your apartment, you should know that your home insurance policy will cover a lot of things. It should provide coverage for broken windows, theft, vandalism, or fire and smoke. Whatever happens though, make sure you can prevent these things from happening. Remember – you can't replace precious objects when they're not there anymore. Besides, you'll have a small coverage when you've used your policy.
Accidents Involving Guests
You don’t know what will happen during a party. Thus, it’s better to come prepared and to have enough coverage for guests who get sick from the food that you’ve served them. It’s also necessary to have coverage for any accidents or issues that may result from alcohol during the party. Coverage should also exist for dog bites, should they happen to your guest, an accidental slip, fall, or trip, or damaged equipment any guest might cause.
Damage to Your Stuff
If you got some valuable stuff at home, then you should get coverage for them. Check out your homeowner’s policy and make sure that you have protection for all your stuff. Always create an inventory of your stuff at home before the party begins. In case there’s an accident or theft, at least you have a record to show your insurer. It’s also important if you could take pictures of anything damaged during the party.
Some Final Words
Always prioritize the safety of your guests at a party. You may have so much coverage allotted for an accident. However, you will earn a bad reputation for every bad thing that happens to your guests. Thus, always remember that an ounce of prevention is better than a ton of cure. Be careful when serving alcoholic beverages. Remind guests to be extra cautious, and call a cab for guests who can't go home by themselves. Also, remind your guests to wear seatbelts on their way home. Most of all, talk to your insurer beforehand if you have coverage for all these.
At Berlin & Denys Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (800) 946-3303 or Click Here to request a free quote.