Choosing A Better Insurance Plan

Adjust Your Homeowners Insurance Before Entertaining Guests

by Isabella Torres

If you take pleasure in throwing parties or inviting friends and family over for get-togethers, it's essential to make sure your home insurance policy is up-to-date and covers any potential liabilities that might arise from such occasions. It's also essential to ensure that you have the proper coverage in case of any damage or accidents during the festivities. 

While there are many things you can do to prepare your home for guests, consider how the right home insurance policy can help protect your home. 


If you're expecting guests, you'll want to ensure an accident policy is in place in case someone is injured on your property. Since this may not be a given with your insurance coverage, discussing the policy with your insurance agent makes sense. Adjustments to your coverage to include personal liability coverage will help protect yourself if anyone is injured. 

Even with insurance, you must take precautions to protect your guests and your property. This means covering or fencing your swimming pool, clearing away snow and ice from walkways, and making sure any pathways are clear of obstructions. These measures will ensure your personal liability coverage is not compromised.


You have a greater chance of damage to your property when you're hosting an event and having many people in your home. From damage to your landscaping to broken items indoors, it can be upsetting for your guests to cause problems, either on purpose or by accident. 

Check your home insurance policy to determine if you are covered in case of damage to your property by your guests. This can help you feel much better about the upcoming holidays and hosting parties with guests. 

Liquor Liability 

If you're hosting a party and serving alcohol, you have to consider the liability of your guests and how you can protect yourself and your home. If someone is injured or even arrested due to alcohol consumption, you may be held liable for serving the alcohol. 

Looking over your coverage to find liquor liability coverage is crucial since you may be missing this part of your insurance policy and need to make adjustments. 

When you want guests over and are concerned about protecting yourself and your home, reviewing your home insurance policy is wise. Since your policy can help protect you, your property, and your guests, you'll want to avoid any issues arising due to a lack of coverage. Speak to an insurance agency such as Binyon Agency to make any adjustments to your policy to better prepare for hosting events at home.