Does my homeowners' insurance cover liquor liability when I host a party?

Homeowners' insurance typically provides coverage for personal liability, but there can be limitations when it comes to liquor liability coverage. While your homeowners' insurance policy may offer some protection in the event of an incident at a party you host, it often has limitations regarding alcohol-related liabilities.

Here are some key points to consider:

Limited Coverage:

Many homeowners' insurance policies include personal liability coverage, which can extend to incidents that occur on your property, including those that happen during a party. This coverage may protect you if a guest at your party is injured or experiences property damage due to a non-alcohol-related incident.

Alcohol Exclusions:

However, most homeowners' insurance policies have exclusions related to alcohol-related incidents. These exclusions may apply if a guest becomes intoxicated at your party, leaves and is involved in a drunk driving accident or if there's an altercation or other harm caused by alcohol consumption.

Host Liquor Liability:

Some homeowners' policies may include limited "host liquor liability" coverage, which offers protection for small, non-commercial gatherings where alcohol is served to guests. This coverage is generally designed to provide a modest level of protection.

Review Your Policy:

It's important to review your homeowners' insurance policy and discuss its terms with your insurance provider to understand the extent of coverage, any exclusions and whether host liquor liability is included.