Mount Airy’s 2025 Turkey Day Fun Run: Is Your Family Protected on the Course?

It’s almost time to earn that pumpkin pie! The Mount Airy Turkey Day Fun Run is a beloved tradition here in the foothills. Whether you are a serious runner aiming for a personal best or a family looking to walk off some calories before the big meal, it's a fantastic way to start the holiday.

However, amidst the excitement of gathering with neighbors and enjoying the crisp North Carolina air, very few participants stop to think about the "what ifs." As your local insurance experts in Elkin and Mount Airy, we want to ensure your holiday is memorable for the right reasons—not because of an unexpected accident.

1. The "Oops" Moment: Personal Liability Insurance

Picture this: You’re at the starting line, packed in with hundreds of other excited runners. The horn blows, everyone surges forward, and in the chaos, you accidentally trip a fellow runner. If they suffer a serious injury and decide to hold you responsible for their medical bills, are you covered?

This is where the Personal Liability portion of your homeowners or renters insurance policy steps in. It generally provides coverage for bodily injury or property damage you unintentionally cause to others—even if it happens away from your home, like on a race course near Riverside Park.

2. Protecting Your Gear: Off-Premises Theft

While Mount Airy is known for its friendly, Mayberry-like atmosphere, leaving valuables visible in your car is never a good idea. If you leave your phone, wallet, or expensive running watch in your vehicle while you run, and a break-in occurs, your auto insurance typically won't cover the stolen items.

Instead, this falls under your homeowners or renters policy as "off-premises" personal property coverage. Be aware that your deductible will apply. If you're running with expensive tech, you might want to consider a "scheduled personal property" endorsement for broader coverage with no deductible.

3. Health Insurance vs. Medical Payments

If you trip on a root or a pothole and injure yourself, your primary health insurance is your first line of defense. However, check if you have Medical Payments to Others on your home policy. While "Med Pay" on a home policy usually covers guests injured on your property, understanding your health deductibles before an active event is crucial.

Additionally, for those traveling from outside Surry County—perhaps visiting family in Raleigh or Charlotte—ensure your health plan covers urgent care visits in our area to avoid surprise "out-of-network" costs.