This Sunday, millions of viewers plan to watch the New England Patriots and the Los Angeles Rams as they meet up for the Super Bowl. In the U.S., 72 percent of adults plan to watch the game, while 44 million people plan to host a Super Bowl party according to an annual survey released by the National Retail Federation (NRF) and Prosper Insight and Analytics.
Hosting a house full of guests can have you playing defense. However, never fear, you have solid back up. Homeowners insurance will keep you protected.
“If you regularly host parties checking into an umbrella policy is a good idea. These policies help curb liability expenses that can happen during a party,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.
Below are possible scenarios you could experience on Super Bowl Sunday. Also, is an explanation on how your home insurance keeps you covered.
As a homeowner, you are responsible for keeping your property safe. If someone trips over a rug on the way to the bathroom and is injured, you could be held financially responsible. Fortunately, a standard home insurance policy includes $1,000 in medical coverage for injuries to guests, per person. Liability coverage is also included if you are sued for injuries.
Super Bowl Sunday is a big grilling day. The U.S. Department of Agriculture (USDA), reports Super Bowl Sunday as the second largest food consumption day in America.
Understandably, if you get distracted by the game and a mishap with the grill or a kitchen fire occurs, don’t worry you are covered. Dwelling coverage pays for the cost of damage or destruction to your home. If you plan to use a fryer, follow the following safety tips:
Keep the fryer at least 10 feet away from your home and never cook in the garage or on a wood deck.
Place the fryer on a level surface.
Keep children at a safe distance from the fryer.
Don’t use too much oil and over fill the fryer.
Monitor the temperature and use caution when touching the fryer, the lid and handles can be very hot.
Keep a fire extinguisher close by.
Illegal use of hands
To be on the safe side, consider hiding away your treasures that could be easily pocketed.
Keep an updated picture of your valuables for insurance inventory,” says Ellsworth Buck, Vice President of GreatFlorida Insurance.
While you don’t expect your friends to steal your stuff, you don’t always know everyone who comes over on game day. If something of yours goes missing, your personal property coverage pays to replace stolen items.