Homeowners insurance provides peace of mind in the face of the unforeseeable. From Natural
disasters to someone getting injured on your property can happen and it’s important to know
you’ll be protected. However, policies do have limitations and you should know what exactly is
covered. One area of confusion is personal liability which deals with Slander and Defamation of
Character, but our team at Adkins is here to answer any questions you may have.
Unfortunately, most homeowners insurance policies don’t cover personal liability on their stand
alone policy. That being said, it’s important to understand the difference between personal
liability and personal injury when looking at exactly what is and is not covered.
Personal Liability vs. Personal Injury
Homeowners insurance policies may cover very specific aspects of your liability needs, for
example when bodily injury or property damage occurs, and you are faced with being held liable.
Personal injury, which protects you against slander, defamation of character and other reputation
damaging injuries, is typically considered an add-on. A policy add-on for personal injury
coverage typically can vary greatly, but at Adkins Insurance we can often secure coverage for
less than $5 on most of our Homeowners policies.
In today’s age of cyber communication and online media, it’s easier than ever to be caught up in
a legal mess due t a personal injury claim. Adding this endorsement to your homeowners policy
is definitely a worthwhile investment.
What Steps Should I Take?
Insurance is complicated, especially when it comes to the nitty gritty of policy details. It’s
important to understand that personal injury coverage is typically an add-on, so you must have a
separate endorsement. Umbrella coverage is also an effective way to protect yourself from this
type of potential liability. Don’t be afraid to ask questions if you’re concerned about coverage
gaps and overlaps.
Answer any questions you may have regarding coverage for personal liability and more by
making an appointment today at 417-883-4343 or by going to our website at