As summer approaches in Oregon, many of us are preparing for graduation parties, backyard barbecues, and holiday celebrations. That means our outdoor spaces are stepping into the spotlight. While planning the perfect party is exciting, even the most well-orchestrated event can come with unexpected surprises.
As you uncover the grill, hang banners, and refresh your patio furniture, don’t forget to review your homeowners insurance. The team at Elliott, Powell, Baden & Baker Insurance is here to help ensure your policy provides the right coverage—so you can enjoy your summer gatherings with peace of mind.
Common Summer Party Risks — and How to Stay Protected
Unexpected Slips, Trips, and Falls
Even the best-kept yard can hide potential hazards. Uneven surfaces, gaps around pools, or dimly lit walkways can cause guests to trip and fall. Your homeowners policy may cover associated medical or legal expenses—but depending on your assets, it may not be enough.
Ask our team about an umbrella policy, which offers higher limits of liability protection beyond your homeowners coverage, giving you added peace of mind should a serious injury occur on your property.
Libation Liability
Alcohol is often part of backyard celebrations, but it remains one of the greatest liabilities for Oregon hosts. If a guest drinks at your party and is later involved in an accident, you could be held legally responsible.
To reduce risk:
- Offer non-alcoholic options.
- Monitor guests’ consumption.
- Arrange safe transportation for anyone who may be impaired.
Ask us about adding liquor liability coverage to your policy for extra protection.
Open Flames and Fire Hazards
Whether it’s grilling burgers, gathering around the fire pit, or lighting sparklers, open flames are a staple of summer parties. But they also pose serious risks.
Take these precautions:
- Keep grills and fire pits at least 10 feet away from structures.
- Never use them under overhanging trees or roofs.
- Keep flames away from high-traffic areas and children’s play spaces.
If a guest is injured by fire or sparks, ensure your homeowner’s policy includes adequate coverage for both medical costs and potential legal claims.
A Simple Policy Review Can Prevent a Costly Oversight
Chances are your summer celebrations will go off without a hitch—but if the unexpected happens, you’ll want to know your insurance has you covered.
Before your next backyard gathering, contact EPB&B Insurance. We’ll review your Oregon homeowners policy, help you identify any gaps, and recommend the right coverage—so you can focus on making memories, not managing risks.
Most homeowners insurance policies can be customized with a variety of endorsements and add-ons to better suit your specific needs. At EPB&B, our experienced Personal Lines Account Managers are well-versed in the coverage options offered by a wide range of insurance carriers. We’re here to help you find the right protection for your home, auto, and personal assets.
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