homeowners insurance and liability protection

  The year’s final hours usually are filled with parties and popping champagne corks. But New Year’s Eve can hold a host of dangers for those who don’t ring in the new year responsibly. “With a little awareness, everyone can have a safe and happy holiday,” says Tom Heitz of the Santa Clarita, California-based Heitz Insurance Company. “If you’re going to serve alcohol, you have to be extra cautious.” A major safety issue for the…