Do Your Birthday Parties Turn Into Train Wrecks? Unexpected Ways Home Insurance Can Provide Protection

Birthday parties can leave you feeling more like you looked up recipes for disaster than birthday cake. With the worries that the guest of honor may have about getting another year older, the dynamic personalities of guests, the unpredictable element of drinking, and the heightened emotions around the celebration, it can be ripe for problems in all directions. Luckily, having homeowner's insurance can protect you against some of the more devastating consequences of hosting a birthday party in your home.

Protection When Guests Are Injured in Your Home or On Your Property

Sometimes party guests can get a little outrageous before they've even had one sip of those fancy party drinks you may intend to serve. However, as the homeowner, it is your responsibility to provide a safe space in which your guests can party. Before your guests arrive, you should evaluate whether there are any risky environments in your home.

However, sometimes you just cannot anticipate an accident that someone has on your property. Your home insurance policy would likely cover medial payments that can result from injuries to your guests, and that liability coverage can protect both you and your guests. Just be sure to know what the limit is on your medical payments and whether you can or should increase them.

Protection When Defiant Guests Getting Behind the Wheel After Too Many Libations

It's important to be proactive in ensuring that no drunk guests leave your party with the intention of driving themselves home. In an age of ride-sharing apps and taxis, your guest should have some options even if no friends will offer to take them home. If they do defy your wishes and sneak out to drive themselves home while drunk, your home insurance policy may protect you.

Some home insurance policies can include liquor liability coverage. If you are going to be entertaining often, you should ask your home insurance agent about whether you can add this to your policy. Since you may otherwise be solely held responsible for injuries and damages that occur in such a situation, having liquor liability coverage can help give a party host greater peace of mind.

Finally, keep in mind that you should be applauded for your daring to host a birthday party in your home. Don't let it bring you down if things don't go exactly as planned. Simply try to go with the flow and keep the atmosphere light. With home insurance there to protect you from the mayhem that may ensue, you should feel free to enjoy your party with no crying unless you want to!