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Insurance for Hosting Backyard Summer Parties

Summer is right around the corner, and that means that many of us are planning ahead for celebrations and fun. Hosting a gathering, BBQ, graduation party, and summer party are all fantastic ways to enjoy the sunshine with friends and family. While planning and preparing your parties, it’s very important to consider your insurance. Many times, hosting these events involves serving alcohol, lighting the grill, and entertaining children and pets. To keep your summer parties safe and fun, keep insurance in mind.

Accidents happen. When they happen at your summer party, things can quickly go from bad to worse. Say you are hosting a casual BBQ. Your friend heads into the kitchen to refill their drink and slips on ice. He needs medical attention and time off work. If someone sustains an injury on your property, they may file a lawsuit against you in order to recover medical expenses and lost wages related to the injury. Even worse, if you let an intoxicated person drive home and they end up causing an accident, the other motorists involved in an accident could hold you responsible for the damages.

If you don’t have enough homeowners insurance coverage to pay the damages awarded to the individual in court, you will be forced to come up with the money on your own. This can lead to serious financial difficulties – as well as a spoiled summer. In some cases, a large settlement could mean that you have to file bankruptcy or sell your property or other valuable assets in order to pay the amount you owe.

If you’re planning to host any parties this summer, review your homeowners insurance policy. It’s also a good idea to:

  • Limit your own alcohol consumption and keep an eye on your guests
  • Encourage designated drivers. Provide plenty of soft drinks
  • Provide food alongside alcoholic beverages
  • Never let an intoxicated person drive home. Call them a cab
  • Keep pets and children away from the grill
  • Place the grill away from anything flammable

Need to review your homeowners insurance policy? Talk to the friendly experts at Jack Stone Insurance Agency. We serve Antioch, Brentwood, and surrounding cities in California. Contact us today to get started!

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