Auto Home Insurance
Review homeowners liability before Halloween, reduce trip hazards, manage pets, and know what to document if a visitor gets hurt.
1
Personal liability coverage may respond when you are legally responsible for a visitor's covered injury.
2
Medical payments to others is a separate coverage with its own conditions and limits.
3
Clear the walking route, secure decorations, and keep pets away from the door.
4
Report an incident promptly and send legal papers to the insurer without delay.
Do not treat a dark porch as a legal shield. Responsibility depends on state law and the circumstances.
Your homeowners policy does not automatically cover everything a guest does. Record what happened and ask the insurer which coverage, if any, could apply to your responsibility or the damaged property.
Read the full guide