No matter what kind of Super Bowl party you choose to throw, a quick glance at one's homeowner insurance policy is another smart step in the party planning process.

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Bad news: Your homeowner's policy offers little protection for business use of your home.

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Combine your auto and homeowner's policy under the same company and you can save 5 to 10 percent.

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Even if you do set up an LLC, remember to get a separate landlord's insurance package--not a homeowner's policy--on the property.

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If you are unincorporated and work from home, but don't have many business visitors, you may be able to get by with a business endorsement on your homeowner's policy.

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Make sure your policies cover any recent changes in your life--that new at-home business, for example, may require a rider on your homeowner's policy in case the FedEx man slips on your front walk.

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They did what comes naturally and wrote a bill that was all about transfer payments, temporary tax subsidies, green industrial policy, homeowner subsidies, 99 weeks of jobless benefits and all the rest.

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