Backyard Party Safety

With the first day of school right around the corner, it is the perfect time to start planning for your end of the summer party. Inviting all of your friends and family over for one last bash is the best way to say goodbye to the summer season. Before you set out the tables and send out the invites, make sure that you know what a backyard party will mean for your home insurance coverage. Keep these tips in mind to help limit your homeowners insurance risks at your next party.

• Take a look at all the walkways around your house. If there are any loose stepping stones or debris that people can trip over, make sure that it is removed or fixed before the day of the event. Small fixes could be the difference between a safe party and a liability suit.
• Be extra cautious when you are on other people's property. If you are at your neighbor's house and accidentally break something, you can be held responsible for the damages. You will have to use your own liability coverage to pay for the damages.
• Always be aware of your pets when people are over. Even if your pet is typically very well behaved, they can get nervous and bite a guest in a large crowd, leaving you responsible for the medical bills.
• Be smart about serving alcohol. Never serve alcohol to minors, and make sure that everyone has a sober designated driver home before you start pouring the cocktails. An intoxicated guest that gets into an accident after leaving your party can be your responsibility.

For all of your homeowners insurance needs for your next backyard party, contact Jack Stone Insurance Agency. Serving Brentwood and Antioch, California, we will work with you to make sure that you have the coverage that you deserve, all at the right price to fit your budget.