Exactly What Is Personal Injury Coverage?

Personal Injury coverage may be one of the more confusing insurance coverages because it sounds like you’re covered for any injuries that happen to yourself or another person. But, this type of coverage actually is something different altogether — while bodily injury and liability cover expenses in case someone gets hurt on your property (or attempting do so), personal injury or sometimes called personal offense covers costs for things like:

  • Libel and/or slander
  • Wrongful eviction or wrongful entry
  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Or legal fees associated with the above

Do I really need personal injury coverage for my homeowner’s policy?

In today’s world, social media is more prevalent than ever. With the touch of a button, you (or your kids) can tweet or blog just about anything for anyone to view – which means that

personal injury coverage becomes important when dealing with cyberbullying cases in courtrooms across America!

personal injury coverage

Your homeowner’s insurance policies do not automatically come with personal injury coverage. This means that if you want to purchase it, it must be added and pay about 15-20 dollars extra per year for an endorsement on average (or more). 

Buying this type of protection could protect your assets in case someone files a lawsuit against them due to their psychological damages; meanwhile, liability coverages will protect you in injury claims.

If you’ve got any questions about this or any other policy questions, book a call with our team at the link below!

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Are you ready to save time, aggravation, and money? The team at The McBride Agency is here and ready to make the process as painless as possible. We look forward to meeting you!