Most people know they have personal liability insurance coverage on their home / condo / mobile home / renters insurance to protect them and their family from lawsuits if someone gets injured on their home property.
This liability coverage extends to the non-business activities for you and your resident family members, too. For example, your son accidentally injures a playmate while playing a pick-up game of baseball.
But what coverage do you have if someone sues you for libel for something your teenager said about them on the Internet? The basic homeowners, renters, condo, or mobile home insurance policy does not cover you in this situation.
Did you know, for a few dollars more a year, you can protect you and your family from lawsuits arising from false arrest, false imprisonment, wrongful eviction, wrongful detention, malicious prosecution, libel, slander, defamation of character or invasion of rights of privacy?
The good news is some insurance companies offer an additional coverage, usually costing under $20 a year, called Personal Injury Coverage, which broadens your liability to cover things like libel, slander, invasion of privacy, wrongful eviction, etc.
Your insurance company may not offer this additional coverage, or not offer it on certain types of policies, like renters insurance. You can often get this protection by purchasing a liability umbrella policy, which usually costs $200 to $300 per year or more, depending on how many cars, boats, & homes you own.
If anyone in your family expresses their opinion on the Internet, this coverage is worth the money. If you are a landlord, this coverage is essential, and you want to make sure you are protected for wrongful eviction and invasion of privacy. If you, or anyone in your household, are active in your community, politics, volunteer, or serve on the board of any organization, including a condo association or home owners association, you should get this coverage.
Personal Injury Coverage as previously mentioned, is not offered by all companies, and this coverage, when offered, can be very different among insurance companies. Shop around for the best coverage suiting your needs.
Not all insurance companies will cover all the causes of lawsuits mentioned in this blog post. For example, wrongful eviction, or invasion of privacy may not be covered with some insurance companies. Insurance companies will differ in how you are covered, and what is excluded.
For example, coverage from business pursuits is commonly excluded, but some insurance companies will not define the renting of residential units as a business pursuit.
If you blog or have your own website like me, and have advertising, you will not be covered by the Personal Injury Coverage option for lawsuits arising from the content of your blog or website.
Some insurance companies may offer you, depending on the business activity and the type of policy you have, an additional coverage option, which will cover liability for your business pursuits of an incidental office.
If you make any income from a blog, website, or have have any work activity from your home, contact your insurance agent, and shop around as needed, to know your options for the proper insurance coverage for your situation.
When you shop for the Personal Injury Coverage you need, explain to each agent you and your family’s activities, so you can make sure you get the coverage best fitting your situation. Getting an opinion from another agent or insurance company, about something you were told by another agent or insurance company, can help you avoid bad advice.
With homeowners insurance, getting the proper coverage you need is more important than getting the lowest price. But remember to consider insuring your home and auto with the same insurance company for BIG discounts.
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