Whether you’re having a family gathering or throwing a party at your house for your close friends and loved ones, you might want to review your Florida home insurance policy before you hang up that disco ball. If your uncle twists his ankle during charades because he tripped after forgetting about the steps leading into the living room, his medical expenses could add up quick. Or if a “friend” decides to sue you after ending up with a concussion from an intense game of “Twister,” your home insurance coverage could come in quite handy. Coverages E and F know how to party responsibly.

Coverage E: Personal Liability

Coverage E provides personal liability protection if someone were to file a lawsuit against you, claiming you caused them bodily injury or damaged their property. Coverage E can help you have peace of mind in the event that you incur costs associated with defending yourself in court—even if the lawsuit filed against you is false, groundless or fraudulent.

Coverage F: Medical Payments

Coverage F protects your family and friends and provides medical payments for people who do not live with you if they are injured on your property. So your uncle’s charades are covered.


Read your Florida homeowners insurance policy to determine the limits and exclusions for these coverages. Many homeowners insurance companies offer increased coverage; contact your agent to find out if you can purchase additional coverage.

Remember to plan ahead

Many accidents can be prevented if you conduct a walk-through before your gathering. Starting from the driveway or sidewalk of your home, walk to the front door and remove any cords, lawn ornaments, or even large sticks that someone might trip over. Don’t forget to give the inside of your home a good once-over from your guests’ perspective. Make sure walkways are clear and that there are no sharp objects on the ground or breakables close to the edges of shelves. There’s nothing worse than stepping on a Lego to get your get-together off to a bad start.

Not all accidents can be prevented, but taking precautions can reduce their likelihood. And make sure to move your coffee table out of the way before you challenge your friends to a game of Twister!