Everybody likes a good party or a fun get together, but if you are planning to host the shin-dig than there are some things you need to know and some precautions you need to take. First & foremost, check with your insurance carrier to confirm you have adequate Home Owners Insurance Coverage.  Confirm that you have substantial coverage limits and that all the characteristics of YOUR home are covered. If you have a dog, or a pool or a tenant you need to make sure that your particular coverage accounts for these things. Don’t just assume you are covered. Ask your carrier and make sure you are covered.

Next, you need to make sure your home is free of any defective conditions or potential hazards. Check for any loose railings,  missing walkway stones or broken stairs. While you may know where all the “hot spots” are in the house, a guest does not and that is inviting an accident.

Alcohol:  99% of adult parties you attend are going to be serving alcohol. There is nothing wrong with having a drink with friends. Problems arise when one drink turns into 5 or 6 and now you clearly have a intoxicated partier. Not only would you feel personally horrible if the intoxication lead to an accident, but you may also be legally liable for any resultant accident. The bottom line is that you need to be aware, and cut off anyone who is drinking to excess at your home or party.

Pool Party !!!   Everybody loves a pool party. There is probably no better way to spend the day  but if not properly monitored can also result in potential legal liability. Keep an eye out for broken glass around the pool , intoxicated swimmers, and always keep your eyes on children in the pool. It only takes a few seconds for a potential tragedy to occur.

DOGS:   Even the sweetest dogs may not respond well to a party atmosphere. It puts them in an unfamiliar atmosphere with many unfamiliar people.  So it makes sense to either keep a close eye on your beloved pooch or put him in a closed off room during the party.

The bottom line is that if you are going to be entertaining in your home, be smart, safe, & aware of what is going on around you, and if an incident does occur notify your insurance carrier immediately.