Personal Injury – Homeowners Insurance

In today’s world of social media and online presence, by everyone in a household, it is important to make sure we are careful when sharing on the internet. Sites such as Yelp, Google +, Facebook Reviews, etc. encourage us to share our positive and sometimes not so positive experiences.

What does this have to do with insurance?

It is becoming very common for a business or person to file a lawsuit against someone for libel/slander. Example, A student posts something negative on Facebook about one of their teachers. The news spreads and the teacher ends up being fired and harms the teachers reputation. Whether, the information was true or false the teacher could possibly bring a lawsuit against the student/student’s family.

This family may have coverage to defend themselves against this lawsuit, IF they have personal injury coverage on their homeowners or renters insurance policy.

A standard homeowners insurance policy does not come with this coverage. The Personal Injury endorsement to a homeowners policy is one major add-on that is a must.

Find out if your policy has personal injury coverage