Ready for Super Bowl Sunday? Whether you will be hosting a Super Bowl party, or attending one, you are expecting great food, plenty of drinks, and an exciting game to be watched with friends and family. No one wants their fun to end with an accident. Fortunately, there are some simple things you can do to avoid having to file an insurance claim on Super Bowl Sunday.
Are you going to be hosting a Super Bowl party this year? If so, then you probably have stocked your refrigerator or freezer with as much food as it will hold. Now, what happens if winter weather knocks out your power, or your refrigerator or freezer dies that week? You might want to see if your insurance company offers some kind of refrigerated-products coverage. If everything spoils, you may be able to get reimbursed for at least some of what you spent on all that food.
Before you open your doors to guests, take a few moments and make sure your valuables are safely locked away. If you are having a large party, you may not know all of your guests very well. Make sure your expensive jewelry is hidden away someplace that guests are not going to have easy access to. This can help you avoid the need to file an claim on your homeowners or property insurance due to theft. It’s also a good idea to check over your insurance policy, and find out what is covered, and what is not.
Will alcohol be served at your Super Bowl party? Guests who have had too much to drink can stumble, fall, and become injured. If this happens, your homeowners insurance policy, which should include liability insurance, will cover the cost of the medical care that this guest requires. It can also help you cover court costs if that guest decides to sue you.
A smart host will take steps to ensure that none of the guests get behind the wheel of a vehicle if they have had too much to drink. We all know how dangerous, and illegal, it is to drink and drive. Some states will hold the host responsible if a guest that came from their party was involved in a DUI. Serve lots of food, to help guests absorb the alcohol they drink. Stop serving alcohol partway through the party. Never serve alcohol to a minor.
If you are going to be attending a Super Bowl party, make sure you have a designated driver assigned before you arrive at the party. Know your limit, and don’t drive if you have had too much to drink. Drivers who were found guilty of DUI may find that their auto insurance company has decided not to renew their policy, or has dramatically increased the cost of their premium.
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