A Few Tips From The Buckner Insurance Playbook For A Safe Football Season

After 8 long months, football season is upon us, and with it comes traditional tailgates and good old fashioned get togethers at your home. Regardless if you’re a Bengals fan or a Browns fan it’s important to know you are covered for those unexpected events and we’re not talking about Cleveland winning. Are you protected if your neighbor trips and falls in the living room while celebrating a touchdown? What happens if someone is injured on the grill? Good insurance coverage is your defense for potential liability claims against you. Don’t get caught off guard without these key coverages.
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Homeowner Insurance policies have a coverage called Medical Payments to Others. This coverage is designed to pay medical expenses to guests who are injured in your home regardless of who’s at fault. This limit is usually anywhere from $1,000 to $5,000. Homeowner’s policies also offer liability coverage.  This covers incidents you are legally responsible for. These limits are much larger and tend to be anywhere from $100,000 to $500,000. You can extend your liability limits to $1 million and above with the purchase of an Umbrella Policy. The extra Umbrella protection on average cost around $160 a year.

Don’t get called for a flag, Watch for these hazards:

• Guests who have had too much to drink! Offer to call them an Uber, to stay at your house, or find them a Designated Driver. We cannot stress enough how important it is to not drink and drive.
• Tripping Hazards in walkways. When having guests over it is always good to keep walkways clear to prevent potential injuries.
• Keep an Eye On the Food. It is easy to get caught up talking to guests so do not forget to keep an eye on any dishes you have baking in the oven or on the burner.
• Review you Policy with your Agent. Not everyone’s Home policy is the same. Call your agent before kickoff to review your policy. Ask about any possible exclusions and consider raising some of your limits. Also, check that your personal property coverage is adequate to cover your new big screen tv.
• -Make Sure Your Pets are secure. This for their safety as well as others. Sometimes new guests and loud noises can frighten pets.

SPicy Jalapeno Dip Recipe

​Spicy Jalapeno Dip
Ingredients:
2 8oz Crème Cheese (Softened)
1 Cup Mayo
1 4oz Can of Green Chilies (Drained)
1 4oz can of Jalapenos (Drained)
½ Cup of Mexican Cheese
½ Cup of Mozzarella
 
Crust
1 Cup Planko
½ Cup Parmesan
 
Preheat Oven to 350
Mix Crème Cheese, Mayo, Chilies, Jalapenos, Mexican cheese, & Mozzarella in pan or glass dish.
Layer it on top with parmesan and planko for the crust
Add some optional Jalapenos on top for extra taste
Bake for 20/25 minutes