It was my daughter's big day, and we wanted everything to be perfect. The church, the flowers, the music - and of course, a grand reception afterwards for all our guests.

At the reception, one of the guests over-indulged at the bar and caused a serious auto accident on the way home. Had I known that I could be held liable, I would've contacted my Westfield independent agent to make sure my homeowner policy provided protection.

Homeowner insurance - When you're planning a big event like a wedding, be sure to call your insurance agent. Your agent can review your policy and make sure you have the coverage you need.