What is personal injury coverage and do I need it?

Personal Injury – provides coverage for OTHER THAN bodily injury or property damage. This includes false arrest, detention, or imprisonment; malicious prosecution; wrongful eviction; slander; libel; and invasion of privacy. This is more of a mental or psychological based claim.

Most homeowner’s policies include liability insurance which can provide coverage for bodily injury and property damage of others for which you or your family member are legally responsible including legal defense costs.  It also includes medical payments to guests who are accidentally injured on your property.   It does not cover personal injury claims for you or any family members that live with you.