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Insurance issues to consider when hosting a house party

Hosting a party? Put insurance on the invite list and make sure your home is covered.

Friends enjoying a house party knowing their home is insured

Hosting a party at your home?

Whether you want to show off your newly redecorated apartment, you’re hosting a crowd for the big game, or having a small family BBQ, it’s important to understand your homeowners or renters insurance policy and make sure you’re covered if the unexpected happens.

Damage to your home

If you’re having a party at your home or apartment, your homeowners and renters insurance policy may cover things like:

  • fire and smoke - property in your home that could be damaged by fire or smoke; be sure to check your smoke detectors before guests arrive
  • vandalism - property in your home that could be broken
  • theft - property in your home that could be stolen
  • broken windows - home windows that could be broken

Injury to a guest

You never know when something could go wrong at a party. That’s why it’s important to have enough liability coverage for:

  • accidents or issues resulting from alcohol you’re serving
  • guests getting sick from the food you’re serving
  • damage to equipment any vendors, like photographers, bands or caterers, might bring
  • if your dog bites a guest
  • guests having a slip, trip or fall on your property

Remember, the more people you have in your home, the more potential liability. Why not consider a Personal Umbrella Policy. It kicks in when your homeowners policy runs out of coverage, which helps you protect your personal assets.

Damage to your stuff

  • Some items in your home might be more valuable than what’s covered under your homeowners policy. A Personal Articles Policy can help make sure you’re protected.
  • Create a home inventory before the party starts. If anything, like an accident or theft, happens to something you own, you’ll have a record for your insurance company.

Keep your guests safe

  • Encourage guests to designate a driver.
  • Offer non-alcoholic beverages and always serve food.
  • Don’t pressure guests to drink quickly or rush to refill their empty glasses.
  • Stop serving alcohol toward the end of the party.
  • If a guest has had too much to drink, call a cab or ride share service, arrange a ride with a sober guest, or have them sleep at your home or apartment.
  • Remind all your guests to wear seat belts on the way home.

Also remember, part of being a neighbor and/or good tenant is letting your neighbors and landlord know about your event ahead of time. This is to help address any concerns ahead of time. Then, take some time to make sure you and your home or apartment is protected. Not sure if you’re covered? Your local State Farm® agent may help.

The information in this article was obtained from various sources not associated with State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. State Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. State Farm makes no guarantees of results from use of this information.

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