Before kickoff, give your insurance a pre-game check.
It’s that time of year again — crisp fall air, rivalries heating up, and the smell of burgers on the grill in stadium parking lots and backyards everywhere. Tailgating and football parties are some of the best traditions of the season. But while you’re planning the snacks and setting up that big-screen TV, it’s worth asking: is your insurance ready for game day, too?
Auto Insurance & Tailgating
Many tailgates happen in stadium parking lots. If your vehicle is damaged — whether it’s a door ding from another fan or a fender bender leaving the lot — your auto policy can help. Comprehensive coverage also comes into play if your grill or cooler scratches the paint, or worse, if an accident happens while hauling your gear. Pro tip: Double-check your liability limits before the season starts — it’s a simple pre-game warm-up that can save you headaches later.
Homeowners Insurance & Backyard Parties
Not heading to the stadium? Backyard football parties are just as popular. If a guest trips over an extension cord or slips on a wet deck, you could be held liable. That’s where your homeowners (or renters) insurance liability coverage comes in. And yes — if you’ve invested in that giant outdoor TV or sound system, make sure it’s covered under your personal property limits.
Umbrella Coverage = Extra Protection
For true peace of mind, umbrella insurance adds an extra layer of protection above your auto or home policies. If a serious accident happens at your tailgate or party, and the costs go beyond your standard liability limits, an umbrella policy helps cover the difference. Think of it as your insurance defensive line.
Quick Tailgate Safety Tips
– Keep walkways clear of cords, coolers, and chairs.
– Grill safely — never leave it unattended.
– Have a designated driver plan before kickoff.
– Know your coverage before the party starts.
Game Plan Recap
Football season is about fun, food, and friends — not fumbles with your insurance. A quick review of your auto, homeowners, and umbrella policies ensures you’re covered, no matter what game day brings.
Before kickoff, give your insurance a pre-game check and enjoy the season with confidence.
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