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

The research, sponsored by Trusted Choice, the independent agent’s branding campaign launched by the Alexandria, Va.-based Independent Insurance Agents & Brokers of America, found that of 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.

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