How Your Homeowners Insurance & Summer Parties Relate
The summer is finally here. Not only does that mean the weather is heating up, it probably means your social calendar is, too. There is something about the summer months that motivates people to host parties! If you are planning to play the host this summer, there are a few things you should do to prepare.
It’s important for you to understand how your homeowners insurance protects your summer parties.
Before you start planning your summer gatherings, make sure you understand your liability. First, know that in order to be held liable, your negligence needs to be proven. In other words, unless someone can prove that you breached your duty, causing harm, you will not be held liable.
The good news is that if you are held liable for an injury that occurs on your property, the liability section of your homeowners insurance will step in to protect you. That means that it can cover medical expenses, legal fees, and even settlements, up to your policy limits.
If you are going to be serving alcohol at your party, be advised that you now face host liquor liability. The safest way to serve alcohol at your event while protecting yourself is to hire a professional bartender who has shown you proof of insurance. Although, as long as you did not charge for the alcohol, your liability coverage can still protect you.
So you can focus on being the best host instead of having to worry about your liability, contact Mike Leonard Insurance Agency in North Texas. We’ll work to get you the right coverage from one of our carriers Kemper, MetLife, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance so you can rest easy with excellent protection.