Haha! I got all ready to defend home births then 
All that was left after my homebirth was a tiny (5p sized) spot of blood on the floor, and it was a wooden floor too so easily wiped off. No damage, even my waters managed to break whilst I was stood in the bath so no insurance claims needed here at all.
Only neighbours we have are MIL and FIL so definitely no complaints from them either. They couldn't actually hear anything anyway as we're detached but MIL was just so delighted to be able to come over straight away and hog my newborn for half hour cuddle her latest grandchild :)