A river town gets visitors. Having people stay, taking them out on the water and lending them things is ordinary hospitality, and all of it is liability sitting on your policy.
Guests are covered by your liability, not theirs. Hospitality is an insurance exposure as well as a pleasure.
Three things about having people to stay.
Someone hurt at your home, in your pool or on your property makes a claim against your household. That it was a friend changes the social situation and not the insurance one. These claims are uncomfortable precisely because the claimant is somebody you know, and the limit is what resolves it without the relationship paying for it.
Cover generally follows the vehicle, so a guest driving your car or operating your boat is using your liability and your claims record. A week of hospitality can put several people behind the wheel of things you own.
Serving drinks to guests who then drive, swim or operate equipment increases both the chance and the size of a claim, and in some circumstances creates host liability of its own. It does not mean not entertaining; it means carrying limits that reflect the weekend you actually have.
The exposure that arrives with company.
Frequent visitors are a real and ongoing exposure.
Cars, boats and watercraft all carry your limits with them.
They have to qualify before the umbrella sits above them.
Tell us how often you have people stay and what tends to get lent out.
