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Homeowners Insurance & Social Gatherings



Many homeowners enjoy throwing parties for holidays or special events. If a party is in the near future, be sure that individual homeowners coverage is adequate.

 

Guests who are injured may need to file an injury claim if their vehicle is damaged, if they fall down or if a pet bites them. Research shows that about 75 percent of adult homeowners who plan social gatherings in their homes do not have a personal umbrella policy. This makes them more vulnerable to lawsuits stemming from guests who suffer injuries. The same research study showed that the remainder of the homeowners surveyed did not know what type of coverage they had. This means it is likely that the percentage of homeowners who do not have adequate coverage is more than 75 percent. However, they should have this extra coverage to protect themselves from lawsuits. Although dog bites and falls are common, alcohol is one liability issue that is often overlooked, but is very risky.

 

Please read the following suggestions to reduce their risk of lawsuits from intoxicated party guests:

  • Instead of having the party at a personal residence, reserve space in a restaurant or bar that has a liquor license.
  • Ensure that there are filling food options and non-alcoholic beverage choices available.
  • To avoid trouble from party-crashing strangers, limit invitations to friends or familiar people.
  • For guests who appear drunk, provide transportation or overnight accommodations.
  • Avoid serving alcohol to guests who appear intoxicated.
  • Plan activities that draw attention away from drinking alcohol.
  • If several guests are expected at a home party, consider hiring an off-duty police officer to handle problems and discreetly monitor guests’ alcohol consumption.
  • Take away all alcoholic drinks at least one hour before the part is supposed to end.

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