The following report by Call 4 Action reporter Meghan Jones first aired Dec. 13, 2005, on Channel 4 Action News at 6 p.m.

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You might not look at your homeowner's policy -- maybe you don't know what's in it.

You should, and here's why.

When the snow falls and ice accumulates, the potential liability on your homeowner's policy goes up.

"You could have a situation where someone could slip and fall and you could be responsible for their medical bills. Or you could be responsible for their injuries because you haven't taken the time to clean your steps or clean your home," said David Masters of State Farm Insurance.

Masters said a good rule of thumb is to make sure your home is clear of ice and snow 24 hours after the snowfall to avoid potential liability.

What about sidewalks?

It depends on the law where you live. You could face a fine and homeowner's insurance won't cover that.

"That fine is your responsibility to pay if you do not clear your sidewalks," said Masters.

Did you realize someone could fall and injure themselves on your property, and even if it is not your fault, you may still have to pay their medical expenses?

It's called med pay insurance, and it ranges from $1,000 to $5,000 on your homeowners policy.

That pertains to anyone at your home -- including people delivering items.

That should be of particular concern if you have a lot of packages delivered for the holidays.

"You have a responsibility for everyone -- know them or not," said Lou Colaizzi of Erie Insurance.

And if someone files a claim with your homeowner's carrier, when you renew your policy, you might have to pay more.

"It could effect you homeowner's premiums. And it could cause stress on your family, because it might result in a court case," said Colaizzi.