Hosting a game day party? What your homeowners insurance covers if something goes wrong

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Homeowners insurance covers most football watch party accidents, so you can keep the party on. Medical payments coverage pays a hurt guest’s medical bills and liability coverage pays your legal defense and any settlement if that guest sues. Dwelling coverage pays for repairs if there are damages to your house.

Each coverage pays up to its own limit. Most policies include at least $100,000 in liability coverage, according to the Insurance Information Institute.

We recommend at least $300,000 in liability coverage, because you’d owe anything a court awards above your limit out of your own assets. Call your insurer and raise your limit before your next watch party, so your policy covers a large judgment if a guest falls on your front steps and sues.

Your dwelling limit should match what it would cost to rebuild your home, which may not equal what you paid for it.

What does homeowners insurance pay for if a guest gets hurt or something breaks?

A standard homeowners policy pays for injuries to your guests, damage to your house and a hotel stay if a fire leaves your home unlivable. Your belongings get narrower protection on the most common policy, an HO-3, which covers them only for the causes it lists, such as fire, theft and vandalism. A guest accidentally knocking your TV off its stand isn’t on that list, while an HO-5 policy covers your belongings for any cause the policy doesn’t exclude.

Here’s what each part of a standard policy pays for on game day.

How much home insurance do you need to be covered when you host a party?

You need enough home insurance to rebuild your house, replace everything you own, and cover your legal defense and any settlement if a guest gets hurt at your party and sues you. Liability coverage is what pays when a guest falls on your steps, gets bitten by your dog, or gets burned at the grill. Those are the most common ways a party ends in a claim, and the $100,000 most policies start with can run out fast after a serious injury. 

If you have a dog, check your policy for a lower dog bite limit or a breed exclusion, since some insurers cap or refuse coverage for bites.

To make sure your policy pays that lawsuit instead of your savings, we recommend carrying at least $300,000 in liability coverage.

Here’s what to consider before you host for game day:

• Carry at least $300,000 in liability coverage, or more if you own more. Add up your savings, investments, and home equity. If the total is above $300,000, raise your limit to match it, since a court can go after those assets when a judgment runs past your coverage.
• Insure your house for what it would cost to rebuild. Base your dwelling coverage on today’s construction prices, not your mortgage balance or what your home would sell for. Your policy then pays for the full repair if a party fire gets out of hand.
• Raise your other structures coverage if you entertain outside. Policies usually set other structures coverage at 10% of your dwelling coverage. You may want more if you have a pool, guest house or outdoor kitchen. A higher limit means your policy pays the full repair bill if a grill fire spreads to your shed or fence.
• Match your belongings coverage to what you own. Policies usually cover belongings at 50% to 70% of your dwelling coverage. A list of everything you own shows whether that’s enough, and extra coverage for jewelry or art means your policy replaces those items at their full value.

Which game day accidents turn into home insurance claims?

Hosting a football party means a houseful of guests, a hot stove, drinks, and maybe your dog all sharing the same space for hours. With that much going on, the odds of an accident increase. 

• A guest falls on your steps or walkway. Your personal liability coverage pays the guest’s medical bills and your legal costs if they sue. Medical payments coverage can pay smaller bills right away, without anyone proving fault.
• Your dog bites or knocks over a guest. Dog-related injury claims averaged $65,450 in 2025, according to Triple-I. Some insurers also limit or exclude coverage for certain breeds, so a bite could leave you paying the whole claim.
• A pan or grill catches fire. Kitchen and cooking equipment were involved in 48% of home structure fires from 2020 to 2024, according to the National Fire Protection Association. Your dwelling coverage pays for kitchen or deck repairs after your deductible.
• A guest breaks your TV or puts a hole in the wall. Your policy usually pays to fix accidental damage to the house itself but not to your belongings, which are covered only for listed events like fire or theft. Damage that looks intentional, like a punched wall, may not be covered. A small repair usually isn’t worth a claim, since you pay the first part of any covered damage yourself, up to an amount set in your policy, and a patched wall often costs less than that.

What should you do if a guest gets hurt at your game day party?

Take care of your guest first, then take a few steps that keep your insurer able to pay the claim.

• Get your guest medical help right away. Call 911 or drive them to urgent care so a minor injury doesn’t get worse. Your medical payments coverage can pay those first bills, no matter who caused the accident.
• Take photos and write down what happened. Photograph the spot where they fell and the step or rug involved, and note the names of anyone who saw it. That record helps your insurer defend you if the guest sues months later.
• Hold off on promising to pay or saying it was your fault. Homeowners policies don’t cover payments you agree to on your own beyond first aid. Let your insurer decide who pays and how much, so the bill doesn’t land on you.
• Call your insurer within a few days. A guest who says they’re fine on Sunday can still file a lawsuit later. Reporting the injury early protects your right to have your insurer defend you and pay the claim.

Is it worth filing a home insurance claim after an accident at your party?

You pay your deductible before your insurer pays anything for damage to your house or belongings. If a repair costs only a little more than your deductible, you’d get almost nothing back, so it usually makes sense to pay for it yourself.

A guest’s injury is different. You don’t pay a deductible on liability or medical payments claims, so your insurer covers those bills from the first dollar.

Any claim you file also shows up on your claims history report, and insurers look at that report when they price your policy. A dog bite claim in particular can push your premium up quickly.

“You have to weigh the pros and cons,” says Jennifer Taylor, CEO and founder of Claim Ready, an AI-powered platform that helps homeowners find weak spots in their coverage. “Maybe it makes sense to pay for it out-of-pocket.”

Pay for small repairs to your house yourself, but always report a guest’s injury to your insurer. Those medical bills can turn into a lawsuit, and your liability coverage is there to handle it.

Does homeowners insurance cover items stolen during a party?

If someone walks off with something during your party, your homeowners policy pays to replace it once you’ve paid your deductible. Your insurer caps what it pays for some valuables, and jewelry coverage may top out under $2,000, according to the Insurance Information Institute.

File a police report as soon as you notice something missing, because your insurer will usually ask for one with a theft claim. Before guests arrive, put jewelry and other small valuables in a bedroom and close the door.

If you own a ring, watch, or collectible worth more than your policy’s cap, ask your insurer to add a scheduled personal property rider. A rider insures one item for its appraised value, so if someone steals that item, your insurer pays what it’s actually worth instead of the capped amount.

Who pays if a guest leaves your party drunk and causes a crash?

You could end up paying if your state has a social host liability law. These laws allow victims of a drunk driver to sue the person who served that driver alcohol. Some states apply them only when you serve someone under 21, and others also apply them when you keep serving an adult who’s obviously drunk.

Your homeowners policy may not cover that lawsuit. Some policies exclude any injury involving a car, even one your guest was driving, which means you’d pay the claim yourself.

Ask your agent whether your homeowners or umbrella policy would pay if a guest drives after drinking at your place. If neither would, set up rides home or offer your couch, because keeping that guest off the road is what protects your savings from the lawsuit.

What happens if a guest sues you for more than your insurance covers?

If a guest sues you for more than your insurance covers, you pay whatever’s left over from your savings or home equity, unless you have umbrella insurance. An umbrella policy picks up where your homeowners liability coverage stops, and it’s worth buying once what you own is worth more than your liability limit.

An umbrella policy adds liability coverage on top of your homeowners and auto policies, usually starting at $1 million. Its price depends on how many homes, cars and drivers it covers, so ask your insurer for a quote when you raise your liability limit.

“Let’s say someone perceives you as wealthy. It may be that you need an umbrella policy,” Taylor says. “At the end of the day, the umbrella policy is for if you get sued.”

Buy one before you host, and if a guest sues you for more than your homeowners limit, your umbrella policy pays the rest so you don’t have to.

Are you covered if you host a watch party in your rental?

Renters insurance covers your guests the same way homeowners insurance does. If someone gets hurt at your place, your liability coverage pays their medical bills and your legal costs if they sue. Your policy also covers your own stuff, and your landlord’s insurance covers the building.

If you start a grease fire that damages the kitchen, your landlord’s insurer may pay for the repairs and then send you the bill. Your renters insurance liability coverage pays that bill, so make sure your policy is active before you invite everyone over.

How to get your house ready for a game day party

Spend a little time the morning of the game on these fixes, and you’ll head off the accidents that most often turn into homeowners claims.

• Fix or block off uneven steps and walkways. If a guest trips on a loose step, they can file a claim against your liability coverage. An hour of repairs costs you less than a claim on your record.
• Tape down rugs and cords where people will watch the game. Your guests will have their eyes on the screen, not the floor, so clearing trip hazards keeps them safe and keeps claims off your record.
• Test your deck railings and patio chairs. If a railing gives way under a crowd, someone could get hurt badly enough to exceed your liability limit.
• Finish cooking before kickoff. Unattended cooking causes more kitchen fires than anything else, according to the National Fire Protection Association. If you stay in the kitchen while the burners are on, you won’t be paying a deductible to fix fire damage.
• Move valuables off tables and throw a cover over upholstered furniture. Your policy probably won’t pay for a drink spilled on the couch or a lamp someone knocks over. Even when it would, a lamp or a cleaning bill often costs close to your deductible, so a claim usually isn’t worth it. A few minutes of prep saves you from paying for repairs or replacements yourself.
• Put your dog in a quiet room with the door closed. Crowds can stress even a calm dog, and one bite claim can raise your premium.
• Plan how everyone will get home. Ask a few friends to be designated drivers, keep a rideshare app handy and offer your couch to anyone who needs it. Putting out plenty of food and nonalcoholic drinks through the fourth quarter helps too. 

Maryalene LaPonsie

Staff Writer

 

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Maryalene LaPonsie is a staff writer for Insure.com. She has 25 years of professional writing experience. She specializes in personal finance — insurance, investing and retirement.

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