For die-hard football fans, the Super Bowl is something that is anxiously anticipated all year long. For the rest of us, it’s a great excuse to gather with friends and watch entertaining commercials. Regardless of your level of involvement, hosting a party can be a fun way to spend Super Bowl Sunday. Before you invite the neighborhood into your home, it’s important to make sure your home insurance policy is Super Bowl ready.
Check The Details Of Your Home Insurance Policy
Having home insurance, condo insurance, or renter’s insurance is an essential step in protecting your financial security and your assets. This is especially true if you welcome guests into your home. If a guest were to fall on the front step or cut his hand while slicing an avocado for the guacamole, you could be financially responsible for his medical bills and any resulting lawsuit.
Assuming your home insurance policy is in place, it is important to ensure the liability insurance associated with the policy is enough to cover you if an accident were to occur. Discuss your risk factors with your Clemente Insurance professional to make sure you are fully covered. If you feel you may need more coverage, it may be time to consider an Umbrella Liability Insurance policy.
Be Cautious with Alcohol
For many Americans, football and alcohol go hand-in-hand. If serving alcohol is a part of your game-day tradition, keep these risks in mind:
Potential Guest Injuries – With alcohol consumption comes an increased risk of injuries and accidents. It’s no secret that alcohol reduces coordination, balance, and physical capacity. Therefore, it becomes even more important to be fully protected.
Responsibility for Accidents – In many states, a host may be held liable if they served alcohol to a guest who then caused an auto accident. It is essential to talk with your Clemente Insurance professional about your options for coverage.
For the health and safety of those at your party and out on the street, it is important for hosts to be aware of their guest’s alcohol consumption to ensure each guest is making smart decisions.
As a host, you can help protect the wellbeing of your guests and your neighbors by being aware of your guest’s alcohol consumption to ensure they are making smart decisions. As your trusted insurance professionals, we can make sure your assets and financial security are fully protected.
Coverage that Fits My Family’s Needs
Whether you’re hosting a party or attending one, having the proper coverage for your unique needs is essential for your family’s future. At Clemente Insurance, we work with you to develop personal and business insurance policies that fit with your lifestyle and your budget.
Contact Your Insurance Experts at Clemente Insurance and Financial Services by calling (888) 995-9098.