Evaluate Your Liabilities Before Becoming A Holiday Party Host!

Holiday Parties and Homeowner LiabilityAs the holidays quickly approach, many homeowners are beginning to make their lists for the holiday parties they plan to host! Planning a party is stressful, especially when you factor in the fact that each time an individual is in your home, your liability increases. If you plan to be a host this holiday season, you should be well aware of your risks. Here are a few things you should keep in mind before making your guest list:

  • If someone becomes injured while on your property, you may be liable to pay all of his or her expensive medical bills.
  • Your homeowner’s insurance policy may include coverage for this form of liability. It would be beneficial to speak with your agent prior to your party just to be sure.
  • Medical payments coverage is available for homeowners in most states. It will compensate you for the medical bills you may have to pay regardless of whether you did something to cause the injury.
  • You always have the option to increase the limit on your liability coverage. Depending on the extent of someone’s injuries, you may be forced to practically turn over your entire savings account to pay for the costs.
  • Medical payments coverage does not cover individuals who live in your home. It will only cover guests.
  • Most homeowner’s liability policies will cover up to $100,000.
  • While insurance does cost money, it is much less than the potential medical bills you could be forced to pay if someone becomes hurt in your home.

Do not take the risk! Call one of the agents at Pulp Street Insurance Agency to determine if you have an appropriate level of coverage. We will work with you to make sure your policy is exactly what your lifestyle demands. We cannot wait to hear from you, today!

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