Colorado (January 31, 2013)
Is it your turn to host the big game this year?
As you pull together the final touches for the best party ever for friends and family, it's a good idea to educate yourself about your responsibilities as you welcome your party revelers. While we intend for our guests to eat, drink, and be merry, sometimes accidents happen and that can be a costly headache for a homeowner.
"There are a variety of situations or accidents that can occur that could put a serious damper on your party," explains Angela Thorpe, Media Relations for State Farm. "What if someone slips and falls, requires medical attention, or has too much to drink, then drives, and causes an accident? These situations 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 State Farm agent, broker, or insurance provider 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.
Keep in mind that each state and municipality have various laws that can affect your legal responsibilities; when in doubt contact a legal expert to see how these may affect you.
Here are some tips for homeowners who are planning a party:
Media Relations Specialist
Office: (303) 264-1560
Cell: (303) 870-5462
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. 43 on the Fortune 500 list of largest companies. For more information, please visit http://www.statefarm.com or in Canada http://www.statefarm.ca.