The Super Bowl is one of the most exciting events of the football season. Last year the big game
was the most-watched television event in U.S. history with 111.5 million viewers. Preparations
for game day are underway. People who plan on hosting parties are deciding on what food to
serve, stocking up on drinks and cleaning the house. However, one thing that may not cross your
mind is the risk you may face as the host of a Super Bowl party.

As you make plans for the big game, here are some things to consider:

  1. If one of your party guests is injured at your house, will you be financially responsible?
    Personal liability insurance can protect your home and assets. This type of protection
    provides coverage when others are hurt or have sustained damage to their property for which you are responsible.
    Another protection is medical payments insurance. This provision covers the medical expenses of others who are accidentally hurt at your house without the requirement of
    negligence. You can check with your insurance agent whether this is in your
    homeowner’s policy.
  2. Are your most prized possessions in your home protected?
    If a guest gets rowdy, and your antique vase gets broken , a scheduled personal
    property endorsement
    to your homeowner’s policy will cover you. This endorsement
    protects loss or damage to personal property like fine art, collectibles or sporting
    equipment that is not adequately covered under a traditional homeowner’s insurance
  3. Does the thought of having guests at your house worry you?
    Consider another venue for hosting the party rather than your home. Planning a party
    at a restaurant or bar will help minimize any liability risks to you.
  4. How big is your Super Bowl get-together?
    You might think about event insurance. There are two different types of event
    insurance – liability insurance and cancellation insurance. For a large Super Bowl party
    at your house, liability coverage in addition to your homeowner’s policy will make sure
    you are adequately covered.

For any other insurance information contact the Oklahoma Insurance Department at 1-800-522-0071 or visit our website at