One of the best things about owning a home is having the people you care about under one roof. However, accidents can happen, even in the most mild situations. When guest incidents occur, be prepared to act accordingly by looping your agent as soon as you can. Here’s what you need to know for guest incidents and policy coverage in the Hudson Valley!
What’s Covered Under My Homeowners Policy?
When an accident occurs in your home involving a guest, your first reaction may be to panic. The good news regarding any damage incurred is that it is likely covered under your homeowners policy! This includes expenses that come from medical care if you are a guest are injured. Any damage to your home done by a guest will also likely be at least partially covered by your standard homeowners insurance policy.
Special Event Coverage
The Hudson Valley can be the perfect backdrop to host larger events in your home, like weddings, fundraisers, family reunions, etc. For these special events, we recommend adding a one day event policy. These policies will cover riskier things that typical homeowners plans will not, like a bartender for example. Additionally, one day event policies don’t work against your current homeowners coverage, so if something does happen, you don’t have to worry about your insurance being affected.
If an accident involving a guest does occur on your Hudson Valley property, the first thing to do is always seek proper medical attention. Then, be sure to loop in your agent or insurance company as soon as possible as your policy requires prompt notification. At MetzWood, we’ll work with you to guide you through the process and work on your behalf with your insurance agency to get you the best results possible.
Get in touch with a MetzWood Representative today to learn more.
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