Three Things To Keep In Mind When Hosting Your Holiday Party

There are many factors that go into hosting a great holiday party. Whether it’s prepping your family’s homemade, traditional recipes, cleaning your home for guests or decorating for the perfect holiday festivity, hosting a party is a lot of work! At the same time, it can be fun & your guests may look forward to your party for weeks. While we wish parties could be all fun and games, there are some risks you should be aware of.

Alcohol

We all know and understand the risks of drinking too much alcohol. However, when you are the host of a party and serving alcohol, you could be liable if someone leaves your home after drinking too much and gets into a car accident. As a host, be aware of how much your guests are drinking and ensure they have a safe ride home. Even if that means calling a taxi or Uber for them.

Tripping Hazards

There are many ways a guest could trip and fall inside or outside your home. You can be liable and a home insurance claim may need to be placed if a guest is injured on your property. Here are a few things to consider to avoid a tripping hazard.

  • Have a clear walkway path from your driveway to front door. Ensure there are no extension cords, cracks in the sidewalk or an icy path where your guest could fall.
  • Clear toys, decorations or other objects from the hallways or stair case in your home.
  • Ensure your rugs aren’t bunched where a guest could trip.

Distracted Cooking

Did you know cooking is the number #1 reason for home fires? It’s easy to get distracted when you’re hosting a party and trying to cook your meal at the same time. However, don’t allow yourself to multi-task or leave the kitchen while heating elements are running.  Other things to consider:

  • Know where your fire extinguisher is located in your home.
  • If a grease or oven caught fire, would you know what to do? For a grease fire, don’t throw water on it, but instead, smother it. For an oven fire, keep the door closed and turn off the oven.
  • If you like to deep fry turkeys, keep it at least 10 feet away from your home.

Holiday parties give lasting memories for not only the host, but the guests as well. However, being prepared is crucial to protect yourself from liability. For questions about your home or liability insurance, contact our agency!

Benefits of Bundling Your Insurance Policies

Insurance Agency Safford, AZ

Insurance Agency Safford, AZ“Bundle your home and auto & save!” “Save by bundling your insurance policies together!”

We seem to be inundated with commercials and advertisements telling us to bundle our insurance policies together. What is the reason behind this and is this really a better option for your insurance?

Benefits of Bundling

Discounts

Some of the benefits associated with bundling your insurance policies together are discounts. The more you bundle, typically, the more you save. While the most common bundled policy is the home and auto policy, some insurance companies discount other product bundles such as auto and motorcycle. It depends on each carrier.

Consolidated Billings

Bundling your policies together can help eliminate confusion over your billing. While home insurance may go to your escrow company, it is easier to understand when your bill comes from a single source.

Access to more products

Many companies will require the auto policy to write an umbrella policy. While typically the umbrella policy is written under the property portion of your insurance. Do note, there are some companies who will just write an umbrella policy.

Why would you not bundle?

Sometimes bundling your insurance policies just doesn’t make sense. Some circumstances in which you may not be able to bundle your insurance can be:

Every once in a while auto insurance premium may seem too high, but you’re happy with your home insurance carrier. In this instance, you can use the full benefit of an independent insurance agent by writing the home with one carrier and the auto insurance with another carrier.  Just because you’re splitting the policies doesn’t necessarily mean you’ll pay more. An agent in our office can show you all the prices between several carriers and help guide you as to what makes the most sense for your specific situation.

If you’re in the market for a new or replacement insurance policy, you’ve come to the right place. Independent insurance agents are the only agents who have access to multiple top-rated insurance companies. By shopping with an independent agent, you can compare coverage, pricing, payment plans and look at bundling your insurance policies. The benefits of having an independent insurance agent don’t stop there. As your life changes, your agent can adapt to your needs finding you the right new company for your new situation such as getting married, having a teen driver and more. Thank you for the opportunity to help you with your insurance.

Do I need special insurance to drive for Uber or Lyft?

Whether you are thinking of starting a new career or simply want to make some extra income during your down time, working for companies like Uber or Lyft can be a good move. However, you will need specific insurance to be fully covered as your personal auto insurance policy and the insurance provided by Rideshare companies provides gaps in coverage or potential excess liability.

Ridesharing is defined as: individuals who use their own vehicle to transport people from point A to point B in exchange for money.

If you are considering working for other companies such as DoorDash, Grubhub, Postmates, Uber Eats, Instacart or other delivery type companies, you would want a rideshare insurance policy as well.

A rideshare insurance policy provides coverage during:

  • Waiting for a ride request.
  • When you accept a ride request and are on the way to pick up the rider.
  • When you pick up the rider & drive to the destination.

In what situations does my personal auto insurance cover me?

  • When you are offline or not using the Uber/Lyft app.
  • The period after you’ve dropped off a passenger but are still logged in and are waiting to match with another passenger (for instance, you roll forward and hit another vehicle with no rider in your car).

Does Uber or Lyft or any other rideshare company provide insurance for you?

Uber maintains insurance on your behalf such as third party liability, uninsured/underinsured motorist bodily injury and contingent comprehensive and collision coverage.

However, your current auto insurance policy may offer a rideshare endorsement that can be added to your policy. You may receive additional coverage too that goes above and beyond the limits provided by the Rideshare company. Talk to one of our agents first. We’ll explain the difference in coverage options.

What if I don’t have rideshare insurance & I’m involved in an accident?

The consequences of not having a rideshare insurance endorsement could result in a denial of coverage by your main auto insurance company. Whether you fail to tell them you are using your car for rideshare services or simply didn’t know you needed the insurance endorsement on your main auto policy, could leave you liable for the entire loss. This leaves you with paying for injuries, medical bills, car repairs, property damage etc. if you get into an accident.

If you are considering a career or part time job for any rideshare company, reach out to our agency! Rules and regulations change regularly, so be sure to research yourself what changes may have occurred since this article was written. We can go over many coverage options with you to ensure you have the right insurance protection. Getting the right policy is easy, we just need to know that you’re driving for a Rideshare company and we can get you the right policy.