Football season means packed living rooms, backyard cookouts, friends coming over and plenty of excitement. But while you’re focused on the next big play, there are a few game-day risks and insurance details that are easy to forget.
From a cracked TV to a guest getting hurt, NFL games can be a good reminder to take another look at your insurance coverage.
1. A Guest Gets Hurt at Your Home
When you’re hosting friends for an NFL game, you may have more people walking around your home, patio or backyard than usual.
Someone could slip on a wet floor, trip on the stairs or get injured while enjoying your outdoor space.
Depending on your policy, homeowners insurance may provide liability coverage for certain injuries or accidents involving guests. It’s worth understanding your coverage before you start inviting everyone over for game day.
2. Your Expensive TV Gets Damaged
Let’s be honest: the TV is one of the most important pieces of game-day equipment. 📺
But accidents happen. A drink can spill, something can fall, or an unexpected covered event could damage your electronics.
Your homeowners insurance may cover certain personal belongings after a covered loss, subject to your policy’s terms, limits and deductible.
If you recently upgraded your TV or purchased expensive electronics, make sure your coverage still makes sense for your belongings.
3. The Grill Becomes the Main Event
Football and backyard grilling go together in Texas. But grills also bring fire risks.
A small accident could damage your patio, outdoor furniture or even your home. Before hosting your next game-day gathering, check how your policy addresses your home and other structures, and remember to follow safe grilling practices.
4. Someone Leaves With Your Car Keys
When friends come over for NFL games, your driveway or street may suddenly have several extra vehicles.
If someone in your household regularly drives another vehicle, or you’ve added a new driver to your family, it’s a good idea to make sure your auto insurance information is up to date.
And if you’re heading somewhere to watch the game, don’t forget that your insurance needs to follow your everyday driving habits too.
5. Your Coverage Hasn’t Been Updated in Years
This might be the biggest one.
You may think your insurance is still protecting everything the same way it did when you first purchased your policy. But life changes.
Maybe you bought a new car, remodeled your kitchen, purchased expensive electronics, added a driver to your household or simply haven’t reviewed your policy in years.
NFL season can be your reminder to check.
Game Day Is Fun. Being Unprepared Isn’t.
You don’t have to wait for something to go wrong before reviewing your insurance.
At Alvarenga Family Insurance, we help Texas families with home insurance, auto insurance, life insurance and more, with service available in both English and Spanish.
Whether you’re preparing for a season full of NFL games or simply want to make sure your coverage still fits your life, we’re here to help.
Contact our Allstate insurance agents today and let’s review your coverage together. 💙
