Many people prefer to host a New Year’s Eve party instead of going out to celebrate. If you plan to gather with friends and family at your house, there are a few things to keep in mind when it comes to being a host.

Watch how much alcohol you are serving your guests

Not only should you be aware of how much you are serving your guests, but you should also be aware of who is driving home. It’s always best to have a designated driver if your guests plan to leave your home the same night as the party. If you over-serve alcohol & a guest drives home & gets into a car accident, you could be found liable for the damages. Instead of risking an accident, call an Uber, Lyft or local taxi service to ensure they get home safely.

Do you have any tripping hazards or icy walkways?

Did you know you could be liable if someone injures themselves on your property? If someone trips over an object outside or slips on your walkway, you could be responsible to pay for any medical bills that may accrue from the injury.

Is it time to review your insurance policies in the New Year?

If you have experienced life changes, reach out to your insurance carrier about reviewing your current insurance coverage. Life changes should be a good time to review or update your policy.

For example, if you recently remodeled your home, be sure to relay this to your agent. This is important for your home insurance policy. If your home ever experiences significant damage, your home may not be covered at the correct amount if you failed to tell your insurance carrier of major remodeling updates.

If you find yourself driving less, you may want to make an update to your auto insurance policy. Teen drivers can also impact your auto insurance coverage. If your teen is going to start driving in 2023, talk to your agent about getting your teen added to your policy.

Life insurance also should be updated if you are getting married, divorced, having children, retiring, etc. There may be certain years where you want more insurance coverage or certain years where you need less coverage. Our agents are here to provide you with professional advice so you have the right coverage at the right time for your unique situation.

Lastly, if your insurance premiums have increased significantly, reach out to us. While insurance premiums have been up across the board this year, we may still be able to help match you with a different carrier at a more affordable price. We’ll shop all our carriers & can provide with options to choose from.

Wishing you and your family the happiest of New Years.