Personal Injury Coverage Homeowners Insurance

The personal liability portion of your homeowners insurance protects you by offering personal injury and property damage coverage.

Personal injury coverage homeowners insurance. Insurance for personal injury is actually an additional coverage you can purchase on your homeowners insurance that ll help protect you against personal injury allegations. Here are some examples of common personal injuries on someone s property. Your insurance company could help you obtain the services of a lawyer after an incident involving an injured person on your property. A personal injury certainly sounds like an injury that happens to you or even to another person in fact this type of insurance can often be confused with bodily injury or personal liability insurance.

The most common type of injury that would require filing a claim against a homeowner s policy is when you have fallen on the homeowner s property and have been hurt in an accident. It is there to protect you from premises liability should bodily injury or property damage occurs on or as a result of your property such as from a broken step if a balcony railing snaps or a slippery surface causes a fall. Medical payments and liability. With today s social media sites like facebook yelp instagram and others you could be more at risk than you think for a personal injury claim.

In many cases yes home insurance policies cover personal injury. Personal injury coverage is always excluded from a homeowners policy and it must be endorsed to the policy to provide coverage. Personal injury coverage insurance is the personal liability insurance commonly found in most homeowners policies. Yes personal injury is covered under standard homeowners insurance policies in two different categories.

The homeowners policy acts as a personal liability insurance. Legal representation and personal injury coverage. Does homeowners insurance cover personal injury. This endorsement costs anywhere from 15 20 a year.

In other words if you hurt someone or damage their property your homeowners insurance offers financial protection if you re found to be legally liable. The typical homeowner s insurance policy does not cover personal injury issues which can include stuff like false arrest wrongful eviction or entry invasion or violation of privacy and yes slander and defamation. June 27 2019 june 27 2019 by homeowners insurance cover. Do you need a personal injury endorsement on your homeowners insurance policy.

Another benefit of personal injury coverage on homeowners insurance is that you may have legal representation built in to your policy.