The summer season is upon us, school is out and graduates have walked the stage. Next up, celebrating their life accomplishments with a backyard bash, also known as a graduation party. Before inviting all your closest friends and family to celebrate your star student, it is wise to consider your protection needs.
When hosting an event at your home, were anything to happen to your guests on your property, you could be held responsible. If you have homeowners or country estate insurance, you more than likely have personal liability coverage. However, some policies exclude things such as large gatherings or events where alcohol is served.
In this case, having an additional umbrella policy or special event policy can ensure you are covered in the event something happens which exceeds your normal policy limits. Speak to your local Farm Bureau Agent before hosting to learn more about your current policy and acquire any additionally needed coverage.
There are other ways to prevent an accident from happening. Make sure any hazards are off limits and made known to guests. Inspect your property prior to the event and take care of any risks that can be remedied, such as a slippery sidewalk, uneven steps or a broken handrail.
Protect your guests, and yourself, from the unexpected by being fully insured. Speak with your local agent to understand your insurance and coverage today. Enjoy graduation season with peace of mind and celebrate those you love!