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Personal Liability and Personal Injury Coverage

When it comes to homeowners insurance, it's essential to understand the differences between personal liability and personal injury coverage. While both types of coverage are important, they protect you in different ways, and it's important to choose the coverage that best meets your needs.

What Is Personal Liability On A Homeowners Insurance Policy?


Personal liability coverage helps protect you if you're found legally responsible for causing physical injury to another person or for damaging someone's property.  This can include situations such as if someone slips and falls on your property, your pet causes damage or injury to someone else, or you cause damage to someone's property.  Personal liability coverage can also help cover the costs of legal fees and any settlements or judgments that may be awarded to the person you are found liable for. It is important to note that personal liability coverage typically has limits and to review your policy to understand what those limits are and how they may affect your coverage and cost.


What Does Personal Injury Coverage Protect On A Homeowners Policy?


Personal injury or personal offense coverage, on the other hand, helps protect you from lawsuits and claims that can arise from non-physical injury or property damage, such as:


Libel and/or slander

Invasion of privacy

Wrongful eviction

Malicious prosecution

False arrest.


Although personal injury coverage sounds like it would cover you for injuries, this coverage protects you from non-physical injuries, such as you mentally injure someone after they are discriminated against, or a post you publish online hurts someone else.


It's important to consider that personal injury and personal offense coverage is excluded from your homeowners insurance policy unless it is added as an endorsement on the policy. Generally, the cost to add this coverage to your homeowners insurance policy is approximately $30 -$50 a year. 


Personal Injury Coverage and Social Media


Additionally, personal injury coverage is critical in our social media-dominated world. Personal injury coverage is essential because it can provide protection for individuals if they are sued for defamation, invasion of privacy, or other types of personal injury claims that may arise from their online activities. 


This type of coverage can cover the costs of legal defense and any potential settlements or judgments, which can be significant in these types of cases. Additionally, personal injury coverage can provide peace of mind for individuals or companies who want to protect themselves against the potential financial risks of operating on social media platforms.


The Bottom Line


So, why do you need personal liability and personal injury coverage on your homeowners insurance policy?


Well, accidents happen, and sometimes they can result in legal action being taken against you. Personal liability coverage can help protect you from financial loss if you're found legally responsible for causing injury to someone else or damaging their property.


Personal injury coverage can protect you if you cause mental harm or non-physical injuries to someone else.


It's important to consider your insurance needs and determine the right coverage carefully. While personal liability and personal injury coverage are both important, they serve different purposes and protect you differently. Be sure to speak with your insurance agent to understand your coverage options and choose the coverage that best meets your needs.


This is where the Overmyer Insurance Agency comes in.


Having sufficient coverage for the day-to-day risks we all face is critical.  

We are here for you. Call or click for a coverage review or quote:




We look forward to helping you.

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