{"id":804,"date":"2016-07-06T12:35:27","date_gmt":"2016-07-06T12:35:27","guid":{"rendered":"https:\/\/pablobeach.shapiroinsurancegroup.com\/?p=804"},"modified":"2018-02-15T11:37:34","modified_gmt":"2018-02-15T11:37:34","slug":"insurance-house-parties","status":"publish","type":"post","link":"https:\/\/pablobeach.shapiroinsurancegroup.com\/insurance-house-parties\/","title":{"rendered":"Insurance For House Parties"},"content":{"rendered":"

Although it has been a relatively quite Tropical Season so far, we know that it only takes one. Even a glancing blow could have a major impact on the State of Florida and its residents and businesses. In our continued effort to bring you relevant information this storm season, today we look at a fun but serious topic –\u00a0house parties.<\/strong><\/p>\n

Typical Storm Warning Process<\/strong><\/h2>\n

If you have lived in Florida for any amount of time, you probably know how must Hurricane Warnings go.<\/p>\n

    \n
  1. We all start watching the formation of a tropical system<\/li>\n
  2. It starts to track towards the state<\/li>\n
  3. We start checking the\u00a0surf report<\/a>\u00a0every few hours to see when the expected swell is going to hit<\/li>\n
  4. The storm continues to track towards us and we start to panic<\/li>\n
  5. We run around like crazy trying to do last minute preparations<\/li>\n
  6. At that last minute, it veers off<\/li>\n<\/ol>\n

    We are not suggesting that you should take any hurricane or tropical storm warning lightly at all. However, we here at PBIG are realists and we know what happens when the threat is lifted and we are left with a day off of work\/school.\u00a0Step 7 – hurricane party.<\/strong><\/p>\n

    Hurricane Parties<\/h1>\n

    Hurricane parties are certainly a staple in the coastal towns where we live and work, especially in our younger years. While attending one or hosting one is almost a right of passage as a Florida resident, there are some things to consider.<\/p>\n

    House parties increase your popularity\u00a0but increase your liability<\/h2>\n

    Yes, you will be revered by your friends and acquaintances for throwing an epic hurricane party. But, having guests in your home expose you to liability. You\u2019ll need to weigh the pros and cons of throwing a party and understand the many ways you exposure yourself to liability. For example, someone could slip and fall due to all the rain and injure themselves at your home. If you have food or even professional catering, someone could get food poisoning. Again, if alcohol is served, you could be liable for injuries even if someone gets injured on their way home because they were driving drunk.<\/p>\n

    Size of the guest list<\/h2>\n

    Planning on having a few of your close friends over? You know the word will spread quickly if you are throwing an exceptional event. The question becomes, how big a party is too big for your\u00a0homeowner\u2019s insurance to provide coverage<\/a><\/strong>? It\u00a0depends. All insurance companies are different, and most of their policies are different too. Check with your insurance agent to be sure that you are covered.<\/p>\n

    If alcohol is going to be involved or served to your guests, then you may need additional third party liability coverage.<\/p>\n

    Damages or theft<\/h2>\n

    You have probably heard about\u00a0Johnny Manziel\u2019s house party<\/a>\u00a0which caused over $32,000 in damages, or the\u00a0teens who were arrested for a party which caused over $45,000 in damages<\/a>. Assuming you don\u2019t have any of them on your guest list, you know even your closest friends can get a little out of control at times.<\/p>\n

    With all insurance policies, it will depend on what your policy covers when it comes to any damages or theft of property. Typically, though, events like\u00a0a house party may not be covered by your renters insurance or home insurance<\/a>. You may need a special event or umbrella insurance policy to be adequately protected.<\/p>\n

    Control what you can<\/h2>\n

    You can\u2019t control everything that happens with a storm or party, but you can make sure you are well protected. Almost one third of all homeowners do not think that they could be held responsible for a guest\u2019s behavior, accidents, or injuries after they leave the party.<\/p>\n

    Ensure that you are properly insured and that your assets are protected when you have a party.<\/p>\n

    Tips for throwing a safe house party<\/h1>\n

    Before the Party<\/h2>\n