A Neighbor Fell on My Step? Will My Home Insurance Help?

Home insurance is one of the most important investments you can make in your property. It not only provides financial assistance in the event of a fire or theft but also protects you from lawsuits and claims filed against you by others. For example, if a neighbor falls on your property due to negligence, your policy could cover their losses.

If you’re looking for home insurance in Senatobia, MS, our team at Storey Insurance can help build a policy that keeps all aspects of your property safe.

Home Insurance and Liability Claims

Several factors determine whether your home insurance will cover the losses of a neighbor who falls on your property. You can always contact your home insurance agent for clarification on your coverage. Here are some key points to consider:

• Insurance typically covers falls when the person has a legitimate reason to be on your property. For instance, if they are delivering a package to your home that was mistakenly sent to theirs, they are justified in being there.
• If you have warned individuals to stay off your property and posted "No Trespassing" signs, coverage may be more limited.
• The relationship of the person to your household matters. For example, insurance may not cover injuries sustained by people who live in your home.

In most cases, a fall on your property caused by a hazard is something your insurance company will help you address. To file a claim, gather as much information as possible about the incident and contact your agent. They will guide you through the process.

At Storey Insurance, our team is here to help you understand your coverage and rights. If you need home insurance in Senatobia, MS, give us a call for a quote today.