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You don't, your insurance covers your home and your neighbors insurance covers their home.

If you have a covered property loss, you contact your own insurance company, not your neighbors. Likewise if your neighbor suffers a loss, he contacts his own insurer, not yours.

Should the two of you ever have cause to meet in a legal dispute, you both may get to meet the others insurance company through their legal defense teams.

Just contact your own insurer, If they determine your neighbor is somehow financially liable for a loss they would know how to subrogate the claim.

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11y ago

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Q: How do you request a homeowner insurance from a neighbor?
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