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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.
What else can I help you with?
Will homeowner's insurance pay for mold removal of mold caused by a neighbor draining water to your property?
Your neighbor's insurance company's liabilty coverage should pay for it and your insurance company should pursue it for you
If a 13-year old boy takes a job mowing the lawn for a neighbor and he injures himself with the lawnmower can the neighbor be sued?
yes ,but homeowner has insurance that should cover that depending on insurance policy.what is covered
Is your girlfriends property covered under your homeowner insurance?
its a gray area in the policy - but property of others would be covered at your request
Are dishwasher leaks causing damage to another unit's ceiling covered by homeowner's insurance?
The other person's insurance will have to cover their OWN damage. If a tree in your yard falls onto your neighbor's house, the neighbor has to use their own insurance. So it works the same for your case. Your insurance will cover your damages and the nieghbor's insurance will cover their own ceiling.
Will homeowner's insurance cover bills for my dog attacking a neighbor's dog?
It's possible but you should contact your insurance agent and ask. Most homeowners insurance policies these days have default language that excludes liability for for animals.
Does homeowners insurance cover a sewer backup?
It should. You should request a policy review with your agent. It has to be stated in the policy what is and is not covered. <><><> DO review your policy with your agent. Sewer Backup is typically EXCLUDED from most homeowner's insurance. It CAN be added to a homeowner's policy. Have you read your policy?
What are some homeowner insurance companies?
There are many homeowner insurance companies that are found online. For example, homeowner insurance companies found online are the AAA and Progressive.
Does homeowner's insurance cover engine failure?
No, homeowner's insurance only overs damages on the house.
Should a pet sitter be required to carry liability insurance before they enter your home?
If it is done as a business, yes they probably should. If it is just your neighbor kid or a family friend, your homeowner's insurance probably covers it.
A dog attacked the neighbor's dog through the fence causing multiple injuries and broken bones Should the attacking dog's homeowner's insurance cover the medical bill?
yes
How do you find your neighbors homeowners insurance for liability?
You will just have to ask them for the insurance information. there is no central registry or database for homes and the insurance companies that insure them. You should first determine if your neighbor even has Liability insurance. Not all homeowners purchase liability coverage with their insurance policy. A home insurance policy can be bought with or without liability coverage. If the homeowner has elected liability coverage, The homeowners insurance policy will provide the homeowner with legal defense for the cost of defending against a suit that is brought against them claiming liability on the part of the insured. If the Insured is found at fault or liable in court, then their insurance company will cover the cost of those liabilities up to the specified policy limits. Alternatively you can sue your neighbor. Then If your neighbor has Liability coverage on his home insurance policy, You will then meet your neighbors insurance company attorneys in court.
Does homeowners insurance cover damage to your neighbor's property caused by fire?
Usually your policy will have a section covering your liability as a homeowner. This may cover the neighbour. Check your policy ask your insurer
