34 Days of Homeowners Insurance
Day 016 | Personal Injury: Do I Need It?
What happens if your teenager posts something false and unsavory about a classmate on Facebook? The Facebook post travels fast. Before you know it the victim of the post has lost their spot on the cheerleading squad due to a poor reputation. Her parents take legal action against you and your child for hurting their daughters reputation.
Or let’s say you’re standing around the water cooler at work. You mention to your boss you would be hesitant to hire the person that applied for the job yesterday because you’ve heard from multiple people the applicant has a history of overindulging on adult beverages. Your statement causes the applicant to not get the job. Come to find out, your sources about this person aren’t true. Now they’re suing you for slander.
If you’re accused of something like this do you have any idea if you have coverage?
If your homeowners policy has Personal Injury Liability, then yes, you would have coverage.
Not to cause confusion, but Personal Injury Liability does not have anything to do with your auto insurance, nor does it cover injuries or property damage related to your home (we’re not talking about Personal Liability either).
We’re talking emotional damages you could be sued for. This endorsement would pay for defense costs.
Not all homeowners insurance policies are created equal. Some insurance companies automatically include this coverage, others do not. If your homeowners policy doesn’t include Personal Injury Liability you would need to buy the endorsement to provide coverage.
Personal Injury provides coverage for libel, slander, false arrest, wrongful eviction, and violation of privacy.
Just so we’re on the same page, just because you have this endorsement on your homeowners policy doesn’t give you a license to say off-handed remarks. There are exclusions related to this coverage. Know that I’m just scratching the surface of this coverage.