With the holidays just around the corner, you may find yourself planning a holiday party for all of your friends and family. While planning your party, it is important to make sure that you are protected from any unfortunate event with the right insurance policy. As the host of a holiday party, you can be held responsible for any actions of your guests once they leave your home, especially if you serve alcohol.
As a party host, there are many situations that you may be found liable. If one of your guests leaves your party intoxicated and gets into a car accident, you can be found liable for any damages that are caused. You can also be found liable for situations that occur at the party, like if a guest slips and falls in your home or becomes ill after eating the food that you serve.
When it comes to protection, the right insurance policies are the best guard. Your homeowners’ insurance policy will typically provide enough coverage for common party incidents. Before you start planning your holiday party, make sure to talk with your insurance agent to ensure that you have the right amount of coverage.
In addition to your homeowners’ insurance policy, you should also consider investing in a personal umbrella policy. An umbrella policy will provide extra liability needed if the liability of your homeowners insurance policy runs out. An umbrella policy will only kick in once the liability limits of all your other insurance policies are exceeded.
For all of your homeowners and umbrella insurance needs, contact the insurance professionals at the Insurance Agency of Dean Davis in Austin, Texas. We will work with you to ensure that you have the right amount of protection for all of your holiday parties.More