Heres is a scenario. A person selling items comes onto your property. They slip and fall on your steps. They suffer significant injuries. Who is responsible? The question is a concern because you did not welcome this person onto your property. They did not have permission to enter it. It can seem, then, that you are not responsible for their loss. However, that is usually not the case. The good news is your home insurance is likely to help cover your losses. Premise Liability Home insurance ...