Use Your Homeowners Insurance To Cover Social Host Liability This Holiday Season

Don’t let your social host liability spoil your seasonal fun; use your homeowners insurance to cover it!

Over the coming months, the number of parties you’ll attend will likely spike. After all, between your company holiday party, your family’s festivities, and getting together with friends, there’s a lot to do this time of year!

What if you decide you want to host a get-together of your own? Before inviting holiday guests over, homeowners need to consider one very important thing: social host liability.

Your social host liability is the official, legal name for your responsibility for guests to whom you serve alcohol. Texas is one of the 43 states that has social host liability, which means that you can be held criminally and civilly liable for damages and injuries a guest causes due to the alcohol you served him or her at your party.

In other words, if your friend drinks too much at your party then wrecks his or her car into your neighbor’s fence, you could end up paying for it – literally.

Fortunately, your homeowners insurance policy likely includes some level of liquor liability coverage. Talk to your agent to make sure you have the protection you need before you host your holiday hoorah.

You have enough to worry about with planning your holiday parties! Let our team of agents handle covering your social host liability. We can use your homeowners insurance policy to help protect you and your holiday guests so all you have to focus on is hosting.

To learn more about how we can safeguard your festivities throughout the year, contact Mike Leonard Insurance Agency. Pairing our expert Texas team with our carriers Kemper, MetLife, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance, we’re here to give you the gift of peace of mind this holiday season!