As Memorial Day and the Fourth of July approach, Connecticut homeowners are getting ready to fire up the grill, uncover the pool, and enjoy summer with friends and family. Backyard BBQs, pool parties, and neighborhood picnics are all part of what makes this time of year so special—but they also come with added risks. That’s why it’s crucial to understand the importance of liability coverage when hosting events at your home.

Backyard Fun Can Come With Unexpected Risks

Whether you’re hosting a simple cookout or a full-blown Fourth of July celebration, any gathering on your property opens the door to potential accidents. A guest could trip on uneven patio stones, get injured on the trampoline, or slip near the pool. Even a wayward bottle rocket or overzealous game of cornhole could lead to a mishap. If someone gets hurt or their property is damaged, you as the homeowner could be held responsible.

What Liability Coverage Typically Includes

Most standard homeowners insurance policies include a level of personal liability coverage. This typically helps pay for medical bills or legal fees if someone is injured on your property. But with larger gatherings or homes with features like pools or fire pits, basic coverage may not be enough.

Enter Umbrella Insurance: A Smart Summer Upgrade

For Connecticut residents who enjoy frequent entertaining—or who are planning a big summer bash—umbrella insurance is worth considering. This type of policy provides an extra layer of liability protection beyond what’s included in your standard homeowners coverage. If a serious injury or lawsuit occurs, umbrella insurance helps ensure you’re not paying large sums out-of-pocket.

For example, if your homeowners policy covers up to $300,000 in liability and you’re sued for $750,000, umbrella insurance could cover the remaining $450,000—giving you peace of mind during party season and beyond.

Why This Matters in Connecticut

From shoreline communities to quiet inland neighborhoods, Connecticut residents love to take advantage of the beautiful summer weather. Memorial Day marks the unofficial start of the season, with backyard get-togethers, fireworks, and pool openings. The Fourth of July often means larger gatherings, outdoor cooking, and celebrations that stretch into the night.

Given how quickly a festive moment can turn into a costly accident, it’s smart to review your insurance before the guest list is finalized. This is especially true if you’ve added anything new to your backyard—like a pool, fire pit, or deck—since your last policy review.

Protect Your Home and Your Peace of Mind

Summer is about enjoying the people and places you love—but a single accident could turn an unforgettable weekend into a financial headache. By making sure your liability coverage is up to date and considering umbrella insurance for added protection, you can host with confidence all season long.

Before your next BBQ or block party, contact your insurance agent to review your policy and explore options for additional coverage. It’s a small step that can make a big difference.