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Category: Personal Liability Homeowners Insurance

Social Host Liability

Be a Responsible Host When It Comes to Serving Alcohol at Parties Whether you are hosting a Super Bowl party or greeting the New Year with friends in your home, if you are planning to serve alcohol at any type of party it is important to take steps to limit your liquor liability and make sure you have the proper insurance. Social host liability, the...

Social Host Liability and Underage Drinking

Be a Holiday Hero Under social host liability laws, party-givers can be held responsible when minors drink. The holiday party season has officially kicked-off. Guests are ready to be dazzled and hosts are busily planning their menus and attending to every sparkling detail to make it an event to remember. Drinks will probably be served and when minors are present, things can get tricky. Under...

3 Common Insurance Misconceptions

How to Avoid Surprises From Your Insurance   When it comes to insurance, there are many misconceptions floating around—too many to cover in this short article. Here are three in particular that could put you at serious financial risk: Misconception 1: “I have an umbrella policy, so I’m covered for everything.” False. Though the intent of a personal umbrella policy is to provide an additional layer of...

8 Tips for Keeping a Fire Safely in its Fireplace

Do you like having a crackling fire in the fireplace while you're watching a movie on a cold winter's night? I sure do! There's definitely something alluring about having a fireplace in your home. According to the Hearth, Patio & Barbecue Association's (HPBA) 2011 statistics, fireplace ranks second among the top features buyers seek in a home. Additionally, approximately 80% of American homes have a...

Getting Your Furnace Ready for the Winter

Let's admit it, summer is definitely the most cheery season of the year. That warm, sunny weather boosts our mood and allows us to go on adventures wrapped in the warmth of the sun. But hey, winter has its perks too! Think of all those holiday parties, tasty treats and snow forts! Or maybe you prefer a warm, cozy night watching your favorite movie or...