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If you know a football fan, you know their Sundays (from 1 pm on) are probably all planned out for the rest of the year. Football is a big deal in America.

In fact, literally millions of people will have their TVs tuned to Thursday Night Football for the start of the NFL season tonight. Among them, countless fans will be celebrating the season opener by inviting friends over for food, drinks and good times.

We’re huge football fans at Sidle Insurance…but we are also risk management experts.

We know insurance is not even remotely on your mind when you’ve got friends over, whether it’s for football or any other reason, but the reality of hosting friends is that you’re not just opening your doors to friends and neighbors; but risk as well.

Whenever others come onto your property and into your home, there is a chance something could go wrong and someone could get hurt.

It’s important to maintain a safe home and limit the risks of someone getting hurt, but accidents happen, and if someone gets injured in your home, you could be at risk.

Quick tip: “Ways to limit risks in and around your home”

Remove tripping and falling hazards like damaged steps and protruding nails/screws

Install railings on indoor and outdoor stairs (your insurance company may even require it)

During the winter clear ice and snow from driveways, walkways, and steps

Replace/remove fire hazards such as electrical appliances with fraying wires

If you use a wood stove or fireplace, get the chimney inspected and cleaned annually.

How to prepare for the unexpected:

If someone does get hurt, you could be responsible for paying costly medical bills – or you could wind up having to pay out for court and legal fees if you get sued.

Even if you don’t ever see your guests asking you for money, if they get hurt on your property, someone will have to pay their medical bills. You wouldn't want to pay out of pocket (and you might not even be able to afford it). You need a good homeowners insurance policy, with liability protection and medical coverage to help pay for the expenses.

Homeowners insurance is intended to protect your assets and defend the things and people you work hard for. 

Learn more about homeowners insurance.

You are more than welcome to give us a call with your insurance questions and needs at (607) 535-6501 or send us an email at info@sidleinsurance.com.

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