Does Homeowners Insurance Cover Personal Injury?

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 injury 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 Personal Injury Insurance?

Your home insurance financially protects you from many unexpected incidents, whether you’re at your home or away from it. But, personal injury coverage doesn’t fall under the realm of protection provided by your base homeowners policy.

What exactly is personal injury? It certainly sounds like an injury that happens to you or even to another person — in fact, it can often be confused with bodily injury or personal liability insurance. But, personal injury coverage is actually an additional coverage you can purchase on your homeowners insurance that will help protect you against personal injury allegations like:

  • Libel and/or slander
  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful eviction or wrongful entry
  • Associated legal costs

Why Do You Need Personal Injury Insurance?

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 injury insurance is so important. Consider what would happen if someone sued you for a slanderous tweet you posted about them. Without personal injury coverage, legal 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 injury protection can help cover resulting legal fees.

Personal injury coverage is an inexpensive option that’ll pay off if you or and family member face a lawsuit. Contact your American Family Insurance agent to learn more about adding personal injury insurance to your homeowners insurance policy, and gain peace of mind you’re being proactive about your protection.


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Related Topics: Home Insurance