Insurance fraud by a neighbor

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Feb 26, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Springfield, MO

Asked on 02/26/2019

Insurance fraud by a neighbor There’s an individual in our neighborhood who is renting his single family home. My presumption is that his insurance company has no clue. This is based on other business dealings with the man and knowing he is very dishonest and will do,anything to avoid paying money for any services he owes.The additional problem with the rental is that there are 5-6 couples at any given time living there and he is an absent homeowner. There is a constant rotation of questionable characters in and out. Constantly people pulling up with boxes and mattresses. It would not surprise me if someone was living in his garage. The home is in MO and he resides at any given time in CA, AZ, or London. This is in the county so no ordinances on occupant per square ft., a $375K home in an HOA.So, my question.... Is there a way to discover who insure his home ? I have worked in insurance as a commercial lines underwriter (17 years ago) and my experience is that his rates and policy would be completely different if the company was aware of the situation.

Answer given on March 04, 2019

Why are you concerned with your neighbor and his insurance? If you are concerned with the safety in the neighborhood you may be better off contacting the local police or sheriff and discuss the issue with them.  If you simply feel this neighbor is not a good or honest person it may be difficult to determine information about his insurance.

You could try asking him about his insurance and try to make up something about a possible claim, such as damage from a tree, or the concern about a tree. He doesn’t sound like he will be forthcoming with information, but it is a start. You can also see if there is a loan on the property and who it is with. You can then see if they have information on the insurance since they would require insurance if there is a loan.  I’m not sure how to determine if there is a loan and who the lender might be, but much information can be found on the internet. Otherwise you will simply have to live with the fact of the situation until you are able to do something through the authorities.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption