What is Personal Injury coverage on Homeowner’s insurance and why do you need it?

Personal Offense Coverage for Homeowners

You probably have insurance in place to protect your home, car and health from the unexpected, but have you ever thought about putting protection in place in case you ever face a lawsuit for things like libel and slander? That’s where personal offense coverage comes into play. It’s a lesser known but important coverage available to add to your home insurance policy. Not sure what this coverage means? We’re here to help.

What Is A Personal Injury Endorsement?

Your home insurance financially protects you from many unexpected incidents, whether you’re at your home or away from it. But, personal offense coverage doesn’t fall under the realm of protection provided by your standard homeowners policy. Insurance for personal offense is actually an additional coverage you can purchase on your homeowners insurance that’ll help protect you against personal offense allegations.

A personal injury certainly sounds like an injury that happens to you or even to another person — in fact, this type of insurance can often be confused with bodily injury or personal liability insurance. But, while bodily injury or personal liability insurance covers things like medical bills and legal fees if a guest is injured on your property, personal offense coverage covers something much different.

Personal offense insurance covers things like:

· Libel and/or slander

· False arrest, detention or imprisonment

· Malicious prosecution

· Wrongful eviction or wrongful entry

Associated legal costs  Do You Need to Add a Personal Injury Endorsement to Your Home Insurance Policy?

In today’s world, social media is more prevalent than ever. With the touch of a button, you (or your kids) can tweet, blog or post just about anything for just about anyone to view — which is why personal offense insurance is so important. Consider what would happen if someone sued you for a slanderous tweet you posted about them. Without personal offense coverage, defense costs and potential settlement fees will come right out of your own pocket.

Or, let’s say you rent out your basement apartment to a tenant and you entered into the apartment without their knowledge. Harmless as this may seem, your tenant sues you for wrongful entry. Having personal offense protection can help cover resulting legal fees.

Source: https://www.amfam.com/resources/articles/understanding-insurance/what-is-personal-injury-insurance

TAMMY FARMER

Insurance Agent | Home Team Insurance

P. 469.589.4047 | F. 833.645.1775 | C. 802.591.0809

A. 5950 Berkshire Lane, Suite 100, Dallas, TX 75225

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