Will Home Insurance Pay for Damages Occurring During a Big Party?

Will Home Insurance Pay for Damages Occurring During a Big Party?

Whether having a small get-together with friends and family or hosting a crowd for the big game, a home insurance cover will cover any liability claims owning to a house party.

Knowing your claim might get rejected if the proper code hasn’t been followed is imperative. For example, hosting a BBQ party without a smoke detector is one of the reasons why an insurer might reject your claim. We have narrowed down a few pointers that will ensure your claim doesn’t get rejected if the need arises.

Points to Remember Before Hosting a Party at Your House

  1. Limit the number of guests per space: Before sending the invite to everyone, figure out the maximum number of people your house can accommodate easily. It is very easy to calculate; get your square footage and divide it by 36 and round the number down.

  2. Keep your valuables in a locker: As a host, you cannot take care of your silverware or the expensive vase you bought last year all the time. Hence, lock it away in your cupboard as a precautionary measure.

  3. If possible, talk with your guests: When you are hosting a party, your priority is ensuring everyone enjoys the party and everything in the house stays in its place. To ensure the same, lay down some ground rules. Don’t be afraid to inform them of the areas they shouldn’t go to or the things they shouldn’t touch. They are your friends and thus, will understand.

  4. Inform your insurer before the party: As a precautionary measure, it is a good idea to call your agent and inform them of the number of people you invite. They might suggest a few pointers to keep in mind during the party.

 Enjoy your party with Steve Wilk

You never know when something could go wrong at a party. Having adequate liability coverage against unexpected events ensures you are protected. A few points discussed above will help you ensure your home insurance claim is accepted.

Hosting a party anytime? Put Steve Wilk’s home insurance on the to-do list to ensure your home is covered.