The Friendly Host’s Insurance Guide: Protecting Your Property During Summer Gatherings

Friendship is the backbone of a great summer. Whether you are celebrating International Friendship Day on July 30 or hosting a backyard barbecue, your home is likely the “hub” for your social circle. While opening your doors is a wonderful gesture, it also elevates your personal liability exposure.

The “Host” Risk Factors

• Alcohol Service: In many jurisdictions, “Social Host Liability” means you could be held responsible for the actions of a guest who becomes intoxicated at your home and subsequently causes an accident. Keep your gatherings controlled and always have non-alcoholic alternatives available.
• Pet Interactions: Even the friendliest dog can become overwhelmed by a crowd. A bite or a scratch from a pet during a party is a leading cause of homeowners insurance liability claims. Consider crating your pet in a quiet, comfortable area when you have large groups over.
• The “Attractive Nuisance”: Pools, trampolines, and even complex landscaping features can be considered “attractive nuisances.” You have a legal duty to ensure these areas are secured, especially if children are present at your gathering.

Before you send out the next digital invite, take a moment to review your Personal Liability limits. If you host frequently, an Umbrella policy is the most effective way to ensure your hospitality doesn’t lead to a financial burden.