Generally, Trespassers Do Not Get a Free Pas
However, an individual may try to prove they have the right to loss coverage. In short, there are some exemptions that could apply.
How Often Do They Do So
Willful and Wanton Conduct
It is important to protect your property. There is no situation in which you can guarantee your property is safe. If someone enters your property, knowing you do not want them there, trips over a stone, and falls, you are not likely responsible for their injuries. Yet, other situations can be difficult. It is important to work to keep your property safe for those you wish to enter and those you do not. Let your home insurance agent help you decide this.