Does Home Owners Insurance Cover Personal Injury?

  1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    Personal injury is very broad. Home owners insurance provides liability coverage for people that are injured on your property where you are found responsible for their injury ( be aware there are some exclusions ). As far as your own injury most policy do include medical payments if you are injured during a covered loss. Every policy is different please read over your policy completely to know what coverage it provides or call your local agent to have them go over your policy with you to explain the coverage offered in it.
    Answered on April 24, 2013
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  2. 910 POINTS
    Ken Boncela
    Ageny Owner, Farmers Insurance, Ken Boncela Insurance & Financial Services, Oswego, lllinois
    If by personal injury you mean libel, slander, defamation of character, etc, then the answer is a resounding maybe! Some homeowners policies include coverage for defense of charges of personal injury in the liability portion of the policy, some policies offer it as an option and some don't offer it at all.  Under those circumstances, coverage may be afforded under a personal umbrella liability policy.  Check with your insurance professional.
    Answered on April 24, 2013
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