The Personal Liability coverage of your homeowners insurance policy protects you, and the family members in your household, if you are legally responsible for the bodily injury or property damage to other people occurring on your property, or through your personal activities.
For example, your child’s friend gets accidentally injured by your child, or you hit a golf ball while golfing, and hit another player by accident, or your dog bites your neighbor.
Think about what activities you and your family do, and I am sure you can imagine a situation where you could be legally liable for the bodily injury of another person.
I think people should consider adding additional coverage to broaden your liability protection, called Personal Injury coverage. This coverage is essential for landlords, people who volunteer, or serve on any boards without pay, such as an Homeowners Association, Charity Board, or PTA.
Personal Injury coverage expands your liability to cover libel, slander, invasion of privacy, & false imprisonment. You can usually add this coverage for under $15 more a year.
You may not be a landlord, or active in your community, have you or a family member ever expressed your opinion of an individual or a business on the Internet?
Warning: lawsuits arising from any business pursuit are not covered by homeowners insurance liability coverage.
For example, if you have the additional Personal Injury coverage, and your insurance company includes coverage for what you say on the Internet, you are still not covered if you unintentionally defame someone on your blog, if you get ANY income (NOT profit) from your blogging activity, such as advertising.
Likewise, if you engage in any business activities out of your home, you are not covered for these activities, as well as any business pursuits outside your home.
You may be able to purchase liability coverage for your business pursuits from some insurance companies, depending on the nature of your work. Which business activities are acceptable will vary from insurance company to insurance company. Shop for the coverage you need and choose the best insurance company for you.
Personal Injury coverage can be different among insurance companies, so be sure to compare what is covered by each insurance company carefully.
You could be sued, and maybe the lawsuit may not have merit, but by having Personal Injury coverage, your insurance company will pay for the cost of your defense, where if you did not have Personal Injury coverage, you would have to pay your own cost of defense.
Not all insurance companies offer Personal Injury as additional coverage on their homeowners insurance, but Personal Injury is usually covered as part of a Liability Umbrella Insurance policy, if you choose to buy one.
I always encourage people to take as much liability as they can afford. Liability coverage on homeowners insurance is very inexpensive. Most homeowners insurance companies offer up to $500,000 per occurrence.
If you choose higher liability limits for auto and homeowners insurance, ask your agent about a Liability Umbrella Insurance policy, which will provide 1 million dollars (or more) of liability protection above your auto and homeowners insurance coverage. Umbrella policies are inexpensive, and are a must for people with good incomes or assets they need to protect.
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