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How Does Your Homeowners Insurance Come into Play During Super Bowl Sunday?


This Sunday is Super Bowl Sunday, which means it’s party time! If you’re having people over to enjoy the Super Bowl together, you’re probably busy figuring out your game plan for food and drinks. But, what’s your game plan for liability coverage in case of an accident?


It’s common for people to assume that their homeowners policy will only come into play if a tree falls on their roof or any other type of natural damage occurs on their property. That’s still true, but most homeowners insurance offers liability coverage as well. This Personal Liability policy will help pay for repairs or even legal expenses if someone gets hurt on your property.


So, why is this liability coverage important to have for your Super Bowl party?


Your Liability Risks at a Party as the Homeowner


Obviously, your Super Bowl party game plan doesn’t include a huge incident that could potentially lead to you using your home liability coverage. But, it’s nice to have if something does go wrong. As a homeowner, inviting guests into your home can lead to multiple incidents, which, in return, could lead to you filing a claim on this part of your policy:


Food Poisoning/Allergic Reactions: Allergic reactions are serious, but it’s not always clear to guests if there’s something in the food that they’re allergic to. As the host of the party, you may not even know that someone has an allergy. But, if someone has an allergic reaction or gets sick from the food you serve, they could sue you for the cost of their medical bills. Luckily, if you have personal liability coverage, it will most likely cover those costs.


Damage to Guests’ Property: Intoxicated guests, excited animals, and hyper kids is usually an invitation for things to get spilled or knocked over. This usually wouldn’t be a big deal, but since it’s the Super Bowl, you decided to borrow your neighbor’s surround sound speaker system for the big game. If the speaker system your neighbor loaned you gets ruined at your party, you’re going to be expected to pay your neighbor back. Your home liability insurance may be able to pay to have the speaker system replaced.


Alcohol-related Injuries: There’s nothing like an ice-cold beer to make the Super Bowl party more festive, but alcohol can also lead to potentially serious injuries. Some states allow the host to be liable for alcohol-related injuries that happen after guests drink at their home. This can be extremely expensive, so you’ll want to make sure your guests are drinking responsibly.


Home Away from Home: If you’re not hosting the Super Bowl party this year, you could still benefit from having a home liability insurance policy. Most policies offer coverage for property damage or personal injury that you accidentally cause at someone else’s house. So, if you’re the one who knocks over your friend’s expensive surround sound speaker system, your insurance may allow you to make a claim for the replacement costs.


Have fun watching the big game! And remember, you can enjoy your Super Bowl party more knowing that you’re covered no matter what happens. If you have any questions or need to find the right insurance policy for you, give us a call at 501-315-3015.



Posted 2:53 PM

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