Personal Injury Liability can cover you in numerous cases. Justin explains this endorsement and how it can protect you.
Your homes liability insurance is meant to protect you against third party bodily injury and property damage claims, however there is also an endorsement for protection from personal injury. Personal injury includes false arrest, wrongful eviction or entry, invasion or violation of privacy, slander and defamation.
These coverages will often pay up to your limit of liability for defense and indemnification. There are many exclusions, such as intent and business exposures. However, this endorsement usually only cost about $25 and could be helpful in today’s new era of computers and technology. This coverage would be especially valuable for investment property owners or landlords. It adds an extra layer of protection under your liability & medical coverage.
It’s always best to check with your insurance agent and read the endorsement thoroughly. This will give you a better understanding of your coverages and different ways you can be protected. For more information, please contact us.