{"id":152,"date":"2026-02-27T04:00:00","date_gmt":"2026-02-27T04:00:00","guid":{"rendered":"https:\/\/www.storeyinsurance.com\/blog\/?p=152"},"modified":"2026-02-16T19:19:54","modified_gmt":"2026-02-16T19:19:54","slug":"a-neighbor-fell-on-my-step-will-my-home-insurance-help","status":"publish","type":"post","link":"https:\/\/www.storeyinsurance.com\/blog\/index.php\/2026\/02\/27\/a-neighbor-fell-on-my-step-will-my-home-insurance-help\/","title":{"rendered":"A Neighbor Fell on My Step? Will My Home Insurance Help?"},"content":{"rendered":"<p>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.<\/p>\n<p>If you&rsquo;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.<\/p>\n<h2>Home Insurance and Liability Claims<\/h2>\n<p>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:<\/p>\n<ul>\n<li>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.<\/li>\n<li>If you have warned individuals to stay off your property and posted &quot;No Trespassing&quot; signs, coverage may be more limited.<\/li>\n<li>The relationship of the person to your household matters. For example, insurance may not cover injuries sustained by people who live in your home.<\/li>\n<\/ul>\n<p>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.<\/p>\n<p>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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[20,18,14,13,5],"class_list":["post-152","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-home","tag-insurance","tag-ms","tag-senatobia","tag-storey-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.storeyinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/posts\/152","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.storeyinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.storeyinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.storeyinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.storeyinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/comments?post=152"}],"version-history":[{"count":1,"href":"https:\/\/www.storeyinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/posts\/152\/revisions"}],"predecessor-version":[{"id":153,"href":"https:\/\/www.storeyinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/posts\/152\/revisions\/153"}],"wp:attachment":[{"href":"https:\/\/www.storeyinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/media?parent=152"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.storeyinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/categories?post=152"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.storeyinsurance.com\/blog\/index.php\/wp-json\/wp\/v2\/tags?post=152"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}