Call Us 631-727-4114 ☰ ˟
Lupton & Luce
Call Us: 631-727-4114 Client Login
  • Home
  • Our Products
    • Personal InsuranceImage of right arrow
      • Automobile
      • Auto Liability
      • Collision
      • Comprehensive
      • Underinsured/Uninsured Motorist
      • Boat
      • Condominium
      • Flood
      • Homeowners
      • Homeowners Property Coverage (Dwelling Coverage)
      • Homeowners Liability
      • Life
      • Motorcycle
      • Personal Article Policy
      • Personal Umbrella
      • Renters
    • Commercial InsuranceImage of right arrow
      • Auto Repair Shop
      • B & B Programs
      • Business
      • Builder's Risk
      • Contractors
      • Commercial Auto
      • Cyber Liability
      • Disability
      • Emergency Services
      • Gas Station
      • General Liability
      • Wineries & Distilleries
      • Workers Compensation
  • Get A Quote
    • Automobile
    • Boat
    • Business
    • Disability
    • Flood
    • Homeowners
    • Life
    • Motorcycle
    • Renters
  • Make a Payment
  • Resources
    • File a Claim
    • Frequently Asked Questions
    • Join Our Newsletter
    • Hurricane Preparedness
    • Helpful Links
    • Refer a Friend
  • Blog
  • About Us
    • About Us
    • Community Involvement
    • Our Employees
    • Our Office
    • Our Partners
    • Our Reviews
    • Privacy Policy
  • Contact
Auto Insurance

Auto

Let us customize your insurance for the best possible price.

Learn More
Home Insurance

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Insurance

Business

Customize your business insurance for peace of mind.

Learn More
Life Insurance

Life

Let us help you protect you and your loved ones for years to come.

Learn More
Home > Blog > Does Your Homeowners Policy Cover a Graduation Party?
THURSDAY, MAY 26, 2022

Does Your Homeowners Policy Cover a Graduation Party?

With about 1.5 million high school graduates in the United States this year, there could be one or more graduation parties in every neighborhood. While planning to celebrate your recent graduate, it’s wise to consider whether your current homeowners policy will cover any mishaps or accidents during your graduation party. 

While your homeowners policy may help if an unexpected event creates a legal liability, it may not be enough protection for a private graduation party. Your agent can help you evaluate your current coverage and decide whether you need additional insurance. 

Contact Lupton & Luce in Riverhead, New York, today to learn more about how your liability insurance may help protect your finances during a graduation party. 

How Homeowners Liability Insurance Can Help 
If a guest becomes ill or is injured while visiting your home, you could be legally liable for damages, including medical bills. Your homeowners liability insurance policy can protect your finances by helping to pay those costs. Graduation party

When you host a party in your home, you invite many people onto your property. While it may not seem like you need to worry about incidents like fire, theft, vandalism or damage to your home, having adequate liability coverage for your graduation celebration is crucial. 

Guests may not intentionally harm your property, and accidents happen. With liability coverage, you could get help paying for several common occurrences: 

  • Accidental damage to vendors’ possessions like catering supplies or photographers’ equipment 

  • Medical bills resulting from a guest who trips or falls 

  • Medical bills resulting from a guest getting sick from the food you serve 

  • Injuries or accidents resulting from alcoholic beverages you serve 

  • Medical bills resulting from your dog biting a guest 


Umbrella Insurance 
If a claim exceeds the limits of your homeowners insurance policy, an umbrella policy can help. Umbrella insurance helps provide coverage for third-party property damage and injuries. It may even extend your liability coverage to include coverage for certain lawsuits. 

In general, an umbrella insurance policy is inexpensive, considering how much additional liability protection it provides. Your agent can help you decide if your upcoming graduation celebration warrants an umbrella policy. 

Special Event Insurance 
Depending on the size and location of your graduation party, your agent may also recommend that you purchase special event liability insurance. This coverage helps cover unexpected situations resulting from having a large gathering at a location you do not own.  

If you plan to have a graduation party at a park, event center or other location away from your home, special event liability insurance can help provide liability protection not offered by your homeowners insurance policy. 

You can get special event liability insurance coverage for single-day private events or multiple-day events open to the public. In general, you can’t have more than 12,000 people in attendance and the event must be held at a single location. 

Special event liability insurance may help pay for medical expenses if a graduation party guest is injured. It may also help protect you from paying for damage to the venue, including equipment and buildings. 

Liquor Liability Insurance 
If you plan to serve alcohol to attending adults at your upcoming graduation party, your agent may also recommend that you purchase liquor liability or host liquor liability insurance. Most event insurance policies don’t include coverage for alcohol-related incidents when guests are served alcohol at a party. 

Get Insurance for Your Graduation Party 
Depending on your situation and how you plan to celebrate graduation, your agent may recommend several insurance options. Contact Lupton & Luce today to learn more about how to properly insure your upcoming event and get a quote. 
Posted 3:24 PM

Tags: home insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015

  • home insurance(36)
  • blog(21)
  • insurance(19)
  • auto insurance(19)
  • business insurance(17)
  • home insurance riverhead(7)
  • auto insurance riverhead ny(6)
  • homeowners insurance(6)
  • car insurance(5)
  • cyber liability insurance(5)
  • hurricane insurance(3)
  • auto insurance claims payments(3)
  • workers compensation insurance(3)
  • flood insurance(3)
  • general liability insurance(3)
  • life insurance(2)
  • insurance inspection(2)
  • commercial auto insurance(2)
  • home insuranc(2)
  • car insurance riverhead ny(2)
  • home intruders(1)
  • dui(1)
  • home(1)
  • uber(1)
  • car cleaning(1)
  • ny(1)
  • business insurance claims(1)
  • home and auto insurance(1)
  • lupton & luce insurance(1)
  • business liability insurance(1)
  • ride sharing(1)
  • general liability(1)
  • lupton and luce insurance(1)
  • grill(1)
  • liability coverage(1)
  • cleaning car(1)
  • hired and non-owned auto insurance(1)
  • money saving tips(1)
  • sales(1)
  • bop insurance(1)
  • auto and home insurance(1)
  • renters insurance(1)
  • restaurant revitalization fund(1)
  • omissions insurance(1)
  • motorcycle insurance(1)
  • mortgage(1)
  • toy vehicle insurance(1)
  • underinsured commercial auto coverage(1)
  • fires(1)
  • home improvements(1)

View Mobile Version

Get In Touch!
631.727.4114

Contact Us
Facebook Twitter Logo LinkedIn Instagram

Resources

  • Get A Quote
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • DO NOT SELL

Contact Us

225 Howell Ave., Riverhead NY 11901
P: 631.727.4114 | F: 631.727.7138 | E: info@luptonandluce.com
© Copyright 2023. A Division of Patriot Growth Insurance Services, LLC. All rights reserved. | Powered by Insurance Website Builder