The Super Bowl is here, and whether your team has made it to the final game or not, there’s a good chance you’ll enjoy watching the game. However, before you host your friends, it’s important to ensure you are covered if something goes wrong.
Check The Details Of Your Home, Condo, Or Renter’s Insurance
First things first – make sure you have home, condo, or renter’s insurance, depending on your living situation. If you bring guests into your home and onto your property, it is essential to have insurance to protect you and your assets. If a guest were to fall down the front stairs on his way to the car or injure himself while cutting a lime for his cocktail, you could be left financially responsible for the medical bills and any other resulting lawsuits.
Secondly, make sure the liability coverage within your policy is enough to protect you from those types of accidents. Your insurance professional at BenefitSource can help you decide how much is enough.
Be Aware Of Alcohol Consumption
For many Americans, watching the Super Bowl, eating pub-style food, and drinking alcohol are a part of their game-day tradition. However, serving alcohol opens the host up to two significant risks:
Guest Injuries – an individual’s coordination and physical capacity diminishes with their alcohol consumption. A host can worry less about a guest falling down the stairs or cutting himself when guests are sober. However, if the guests are intoxicated, this risk increases significantly. Be sure you are protected!
Responsibility for Accidents Caused by Intoxicated Guests – in many states, hosts may be held liable or responsible if an intoxicated guest causes a car accident and injures someone after leaving the party. Do you know if the liability coverage in your homeowner’s policy would protect you?
For the benefit of everyone, it is important for hosts to be aware of their guests’ intoxication and help their friends make good decisions. For the protection of your home and financial stability, you need to fully understand your insurance coverage!
How To Ensure You Have The Right Coverage
The insurance professionals at BenefitSource are ready to look over your policy and make sure that you understand the coverage you have. If you are underinsured, we are here to make recommendations better suited to your actual needs. Call us directly at (877) 215-5431 or email us to set up an appointment to discuss all of your insurance needs.
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