Is the homeowner responsible for an accident on his property?

Q. Someone slipped and fell on my driveway during the winter and I don’t have home insurance. Should I be worried?
– Ray

A. This situation comes across my desk more than you might think. People find themselves without home insurance for a range of reasons; sometimes an invoice or policy renewal has gone unnoticed; or it fell through the cracks during the course of a marriage breakup. It happens.

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