New York: Like to Throw House Parties? Get Homeowners Insurance.

Summer is coming- and often, that means parties. Due to the recession, you may find that your friends may be more interested in having get-togethers at their homes- rather than at pricey bars and clubs. If you are the entertainer of your social circle, you should be aware that accidents can happen when alcohol is involved. If an accident does occur, you should know whether your homeowners insurance covers you when you have guests around.

Because consumers will be spending more time entertaining at home, the likelihood of domestic accidents has obviously increased. By checking if you have an accidental damage extension on your home policy, you may save yourself time and worry if an accident does happen. Accidents have been found to most often include breaking glass or china, food stains, and red wine spills.

If you are having people over, try to take the necessary precautions in order to safeguard your home. Opting for white wine rather than red, keeping the china put away, and eating on a surface that can be easily cleaned are all steps that can save big in clean up costs. And although the economy is slumping, don't let it make you reconsider our home insurance purchase. Doing away with your homeowners insurance policy can end up costing you much more than your premium costs if an accident does occur.

If you are looking to both protect yourself, and lower your costs, look into a homeowners insurance plan from Whiting Insurance. Visit our Virtual Insurance Office right now to learn more.