Homeowner's Extending Covg to Party?

So we get this scenario where people are renting a local facility for a birthday party or whatever & the facility wants a "rider" on the homeowner's insurance to cover the event.

1.) Does such a rider exist

2.) How does liability on an HO-3 extend to situations like this

3.) How could an insured end of liable where homeowner's insurance WOULDN'T cover it?

4.) What the frick?:1mad:
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