I Did Not Know . . . Social Media Chit Chat Could Cost You Your Home!
Homeowners Insurance: What is personal injury protection?
Do you have “personal injury protection” on your homeowner’s insurance policy? Do you know what this coverage entails? Is it an important coverage for you? Has your insurance agent given you any feedback on this little discussed coverage?
Most people don’t know what personal injury protection actually is and they don’t know whether or not it is even included in their current homeowner policy.
Basically, personal injury pertains to a personal injury you or a household member might be accused of committing against another person outside your home, such as slander. Years ago, this was considered by many to be a superficial coverage … but if you have kids that regularly use social media, you might want to think again. With all of the commentary that takes place, particularly among teenagers, parents are finding themselves in liability situations thanks to comments their kids may have made on some social media platform.
Personal injury coverage is the coverage you will hope you have should incur such an unfortunate scenario. This coverage can assist you with the legal expenses or with any settlement up to the policy limits. This particular coverage is not the first coverage that one thinks of with regard to their homeowner policy, but you should check your policy to see if you’re covered.
Do you want to know more about what’s in a homeowner policy and would you like a free quote, please call me at (530)432-0221.
Peter Nazarkewich Insurance Agency