Many Americans who plan to throw a party between now and theSuper Bowl lack adequate insurance if the gathering leads to aninjury claim by one of their guests, according to a new survey.

The research, sponsored by Trusted Choice, the independentagent's branding campaign launched by the Alexandria, Va.-basedIndependent Insurance Agents & Brokers of America, found thatof 28.5 million Americans who plan to have parties in their home,21 million do not have a personal umbrella insurance policy,leaving them open to lawsuits and facing financial ruin.

The remaining seven million, said Trusted Choice, do not knowwhat coverage they have, leaving them vulnerable, too.

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