Personal Injury is an optional coverage on your homeowner’s insurance policy.
The option provides coverage for libel, slander and defamation.
Most people think they don’t need this because they are not a public figure.
In the age of social media everyone is making their opinions widely known.
This is leading to an increase in lawsuits.
Say your teenager made a comment about their teacher on Facebook.
That comment went viral and next thing you know a teacher’s reputation is ruined.
You are now defending yourself in a lawsuit based on something your child posted in social media.
This can cost you hundreds of thousands of dollars.
If you don’t have this coverage then you pay for lawyer’s costs and for the settlement.
Make sure to add the Personal Injury coverage to your policy and protect yourself, it is usually a minimal annual cost that can save you a huge sum of money.