Having A Party – Is Your Home A Liability?

Is your home a liability when entertaining?

How much liability insurance do you need when entertaining in your home? Imagine that you are hosting a birthday party for your child at your home. You have hired a face painter, brought in ponies for pony rides, and have a bounce house set up in the backyard. What happens if a child gets hurt while bouncing in the bounce house or has their foot stepped on by the pony? Does your homeowner’s insurance cover it or are you responsible? What about the vendors that you hired? Do they carry insurance or are they relying on your policy to cover any accidents?

Gulf Coast Educators Insurance recommends reviewing your homeowners insurance policy before hosting an event at your home. Gulf Coast Educators Insurance also highly recommends that you only hire vendors that are insured. Make sure to check that the vendor’s insurance is up to date and that the vendors are licensed by the state.

Our insurance agents offer these tips when hosting an event at your home:
•If you are having a pool party or have rented a water slide that ends in a pool of water, make sure to hire a lifeguard. Parents have a tendency to visit with each other and lose track of their child. To prevent accidental drownings, always have a lifeguard

•If you own a hot tub, make sure that the hot tub is securely covered

•Lock doors to rooms that you don’t want anyone to access, especially a child and if there are prescription drugs in that room

•Keep your pets away from your guests. Pets can get excited or agitated by the noise and lash out by biting or knocking small children over depending on the size of your dog

•Remove debris from your lawn so no one gets hurt while bouncing on a bounce house or sliding down a slide

•If you have livestock, keep the livestock fenced in a separate area where small children cannot access

•If you do have a bounce house, make sure there is an adult supervising it at all times. Limit the number of children that are jumping. Do not allow food or drinks inside the jump.

•If you do have pony rides or a petting zoo at your home then make sure that the children wash their hands after petting the animals. Do not let the children share their food with the animals.

Examples of events that you may host at your home include:
• Birthday parties
• Weddings
• Anniversary celebrations
• Graduation parties
• Baby Showers
• Quinceanera celebration
• Bridal Showers

No matter what event you are hosting at your home, Gulf Coast Educators Insurance wants you to be aware of potential liabilities that could occur during your event. Call one of our three Gulf Coast Educators Insurance locations to check what your homeowners policy does and does not cover. To reach our Naples office, please call 239-591-0963. To speak with an agent at our Port Charlotte office, please contact us at 941-391-5423. For our Ft. Myers office, please call 239-997-0420. Gulf Coast Educators Insurance is here to help make sure that you are covered. Just by reviewing your insurance policy you could have dome descent homeowners insurance savings that you were not even aware of.

Homeowners Insurance For First Time Homeowners

Congratulations, you are buying your first home!

One important consideration when buying a home is to make sure that you have adequate homeowners insurance coverage. Gulf Coast Educators Insurance offers a variety of homeowners insurance policies at competitive rates. Our experienced insurance agents can walk you through a homeowners insurance policy and help you find the perfect coverage for you and your family. We offer great savings on homeowners insurance.

Home insurance policies cover both the exterior and interior of your home. Our insurance agents will need to know what type of home you are buying, how your home was constructed, the square footage of your home, the year your home was built, and where your home is located. Our seasoned insurance agents can explain all of the different aspects of a home owners insurance policy such as what a deductible is, what liability coverage consists of, replacement cost, and actual cash value. Our agents can also discuss adding riders to your homeowners insurance policy to cover specific items such as jewelry.

First time home owners are often unaware that there are certain factors that can make a home more expensive to insure. For example, owning a trampoline or pool can increase the cost of your homeowners insurance policy. A bad credit score, living in a high crime area, and living in a flood zone can also be factors in a higher homeowners insurance policy.

Gulf Coast Educators Insurance is the best agency for insurance in Southwest Florida. We offer three offices to help serve you. Our main insurance office is located in Naples and we have two branch offices in Port Charlotte and Ft. Myers, Florida. Our expert insurance agents provide experience and knowledge to help you choose a homeowners insurance policy that will meet your coverage needs.

Please contact any of our three offices for a competitive home insurance quote. To reach our Naples office, please call 239-591-0963. Our Port Charlotte insurance agents can be reached at 941-391-5423. To contact our Ft. Myers insurance agents, please call 239-997-0420. We are here to help you get the best home owners insurance policy! Follow us on our Facebook page too!