Safety for Graduation Parties

graduation capsIt is the season for graduation parties – colleges and high schools. We all love to celebrate, especially after the year of Covid, for a joyous occasion. Graduating is a big accomplishment and many parties will be thrown to congratulate the students.

In order to have a successful party keep these things in mind:

  • Do not serve alcohol to minors.
  • Encourage each car to have a designate driver.
  • Take away keys from party goers who have had too much to drink.
  • Have a lot of water (flavored water is much more enticing, so make a few pitchers and keep them on all tables) available for people to stay hydrated and not drink more alcohol.
  • Good food is essential. If the guests are busy eating they may be too full to drink a lot!
  • Remember that you have neighbors, respect them. Keep the noise to a respectable level and don’t let the party rage all night.
  • Alert your neighbors that you will be having a party and let them know you will clean up any trash that may get in their yard.
  • There are many outdoor games that all ages will enjoy, have lots of activities to entertain guests.

Graduation parties are fun, just make them safe too! You are liable for the people drinking at your party, so make sure everyone is ok to drive before they leave. It is important to also have a personal umbrella policy! Our motto: “You don’t have to be a millionaire to be sued for a million dollars!” Protect yourself and your assets, call us about adding an umbrella policy to your account

Your Insurance Renewal

Every year you receive your home and auto renewals in the mail or via email. What do you do with it? Do you even look at it? Or just at the premium? There are some key things you should consider when reviewing your insurance renewals:

7-6-15-form-e1436203234283-225x300What has happened to you/your family in the past year? Marriage? Newly licensed driver? Get a company car? Good report cards from school? All of this information should be updated with your insurance agent.

Are the correct vehicles listed on your auto renewal – look at model, year, drivers? Has anyone moved into or out of your house that should (not) be listed in the household as drivers?

Check the limits for your vehicles. We recommend $100,000 per person/$300,000 per accident for coverage #5 Optional Bodily Injury.

Are the lean holder and/or mortgagee information correct on your auto/home policy?

Is the dwelling value accurate on your homeowners policy? Have you made any updates or remodels to your house to increase the value? Added a home security system, pool, heating system (stove, etc.)? Replaced your roof?

Did you buy a new recreational vehicle – boat, jet ski, motorcycle, snow mobile?

All of these points should be considered when looking at your home and auto renewals. Adding Umbrella Insurance is also an excellent idea. It gives you $1M worth of coverage over both your home and auto insurance for just a couple hundred dollars a year. Our famous saying: You don’t need to be a millionaire to be sued for a million dollars. Please call us if you have any questions about your insurance coverage: