The Super Bowl is the biggest sporting event in the United States. If you plan on hosting the big game, you are not alone. In fact, 45 million people plan to host a Super Bowl party Sunday, according to the National Retail Federation (NRF).
Of course, hosting a house full of guests along with alcoholic beverages and charged emotions will have you playing defense. However, never fear, you have back up. Homeowners insurance keeps you protected. Below are possible scenarios for Super Bowl Sunday and how your home insurance covers your belongings and home.
Stolen belongings
While you assume your friends would never steal your stuff, you don’t always know everyone who comes over on game day. Therefore, if your belongings go missing, your personal property coverage pays to replace stolen items.
Incidentally, it might be wise to lock-up any valuables that could easily be taken from your home. “It’s good to snap a photo of your valuables for insurance inventory,” says Dustyn Shroff, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.
Cooking fires
Super Bowl Sunday is a big grilling day. The U.S. Department of Agriculture (USDA), reports Super Bowl Sunday as the second largest food consumption day in America, only behind Thanksgiving.
Due to all the activity, distractions occur. If a grill or kitchen fire breaks out, dwelling coverage pays for the cost of damage or destruction to your home.
Man down
As a homeowner, you are responsible for keeping your property safe. Consequently, if someone trips over a rug on the way to the bathroom and twists an ankle, you are held financially responsible. Fortunately, a standard home insurance policy includes $1,000 in medical coverage for injuries to guests, per person. In addition, you also have liability coverage if you are sued for injuries.
“Checking into an umbrella policy might be wise if you frequently host parties. This will curb liability expenses, especially if you own a pool,” suggests Buck, of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.
Social host laws
A lasting stat claims Super Bowl Sunday sees 325 million gallons of beer consumed. While Florida does not have social host liability laws unless a minor is involved, remain a vigilant host. Accordingly, visitors should have transportation in order if they overindulge in drinks.
Keep in mind, being a party host is not always easy but with the proper home insurance party fouls will not ruin your home.
Stay protected in your home with dependable home insurance. Contact a GreatFlorida Insurance agent today at 1-888-478-7801 or complete our free online quote request form at www.greatflorida.com.
