We’ve all experienced it. The event season in Royal Oak, MI, changes the entire rhythm. One week, the neighborhood feels calm, and the next, it’s filled with visitors arriving for festivals, concerts, tournaments, and weekend pop-ups. Of course, that surge brings opportunities for homeowners who open their doors to short-term guests, but it also comes with a level of liability exposure that’s very different from hosting friends or family.
When Your Home Becomes Someone Else’s Weekend Base
A short-term renter moves through your home with a different mindset. They don’t know which stairs are a bit uneven or which door catches unless you pull it just right. They won’t notice the little step-down into the sunroom. They don’t see how close the grill sits to the deck rail when a breeze kicks up. All of these little things feel normal to you, but they become entirely new terrain for someone visiting for only 48 hours.
Event weekends magnify that. Guests come in late, leave early, juggle bags, manage rideshares, and navigate your home in a hurry. But it’s actually even worse. Your guest will multitask more, or at least try to. Cooking while unpacking. Stepping outside while on the phone. Moving quickly through unfamiliar spaces. The risks are not wild behavior, but unfamiliarity combined with a rush.
This is where High Favor Insurance comes in. We help homeowners understand the broader shield of umbrella insurance. A single weekend guest can bring more liability risks than a full month of everyday living, especially when the whole city is in event mode.
The Hidden Liability of Hosting During Citywide Events
Hosting short-term rental guests becomes a small business for that weekend, whether you planned for it or not. That’s why Royal Oak, MI, homeowners often look through their protection before the event season starts. High Favor Insurance helps ensure your umbrella insurance matches up with the realities of renting to strangers during high-energy, high-traffic city events.
