AUSTIN, Texas (December 14, 2011) - The holiday season is a magical time that brings celebrations and parties with loved ones. As you celebrate the joy of the season, be sure to protect yourself if you host a party in your home. While party hosts only intend for their guests to eat, drink, and be merry, sometimes accidents happen - and that can be costly to the homeowner.
“What if a guest slips and falls? Or a fight breaks out causing injury? What if a guest gets food poisoning and needs medical attention? Or has too much to drink, then drives, and causes an accident?” said Patti Kelly, spokeswoman for State Farm in Texas. “These are unpleasant to think about when planning a party, but homeowners should always make sure they are prepared for worst case scenarios.”
Before hosting a party, talk to your agent about your homeowner insurance policy. They will help you determine if you have adequate liability coverage. Most homeowners policies cover bodily injury, property damage, and will provide for legal defense should a homeowner get sued in civil court as a result of an occurrence that is covered by the policy.
Your agent can also help you determine if an umbrella policy is needed. Umbrella policies (also called Personal Liability Umbrella Policies) offer an additional level of protection beyond the limits of a homeowner policy.
Here are some tips for homeowners who are planning a party:
Patti Kelly, State Farm Public Affairs, Texas Zone at (512) 492-5347.
State Farm and its affiliates are the largest provider of car insurance in the U.S. and is a leading insurer in Canada. In addition to providing auto insurance quotes, their 17,800 agents and more than 65,000 employees serve 81 million policies and accounts - more than 79 million auto, home, life and health policies in the United States and Canada, and nearly 2 million bank accounts. Commercial auto insurance, along with coverage for renters, business owners, boats and motorcycles, is also available. State Farm Mutual Automobile Insurance Company is the parent of the State Farm family of companies. State Farm is ranked No. 37 on the Fortune 500 list of largest companies. For more information, please visit http://www.statefarm.com or in Canada http://www.statefarm.ca.