House Party? What House Party...
Author: Isla Campbell
Category: Finance
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House parties have always been popular with kids; perhaps because it means they can get away with drinking alcohol when they would have had no chance of getting served in a pub. However, what used to be a relatively tame gathering of kids and teenagers at a willing parents' house seems to have transformed into something else altogether.
Invites used to be meticulously drawn up by hand while the guest list was carefully negotiated with parents; but these days a party can get out of hand before it has even begun, with just the click of a mouse.
You may have heard of Facebook, Bebo or Myspace parties and wondered if they were some kind of online chat room. Well, if this is the case, you are sadly mistaken. Facebook, Bebo and Myspace parties are a new phenomenon that is haunting parents worldwide.
If you are unacquainted with the social network sites that have taken the world by storm, they are a relatively recent discovery that allows people to keep in touch with other people, post and share photos, write blogs and advertise events.
It is the organising and advertising of events online that has had a particular impact though, as a house party can be broadcast to the world in seconds. The problem with this is that kids often don't realise the consequences of their actions and before you know it, your home is often crawling with youngsters whose only intention is to trash your house.
Just imagine what this could do to your home insurance! Making a claim can be bad enough if you have damaged something, as not all home insurance providers cover for accidental damage, but what happens when the reason your home and contents has been trashed is nothing to do with you?
Because this is a relatively new occurrence, insurers have yet to set specific guidelines for events such as house parties. Some home insurance policies will have clauses which do not cover damage due to any irresponsible behaviour by yourself or your children, in which case your child could be paying you back for damage done until they retire if you are an unlucky house party victim.
However, if like so many parents, you are an unaware of your child's online party planning skills and have returned to find your home is unrecognisable and your belongings are missing, you may still be lucky as there are, as yet, no set standards. As a result, home insurance providers are more likely to process your claim if you were unaware that the party was happening.
There is no way of telling if your child will play the wild card and 'accidentally' invite the entire neighbourhood to your house, but if they do, make sure you are not involved or aware in any way, so no snooping on their internet accounts!
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Keywords: home insurance, house party, insurance providers
View Count: 54
Date Submitted: 8/1/2008
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