In a Social Media World, Are You Covered for Libel?
It is widely thought that a homeowner's insurance policy covers only incidents that physically occur in the home, which is partially correct. In fact, coverage can go beyond the home and can insure you for a personal injury claim, if the right conditions are in place. One may think of the term "personal injury" as requiring a physical injury suffered by another party. While a liability policy will likely apply to an incident of physical injury, personal injury is a broader concept. In the insurance world, personal injury can include harm caused by false arrest, detention, or imprisonment; malicious prosecution; wrongful eviction; slander; libel; and invasion of privacy. Basically, a personal injury policy can protect a homeowner and others covered under the policy against a claim for almost every injury that someone can experience without suffering any actual physical harm.
Given this broader definition of personal injury, would your policy cover a claim for accidentally saying something personally harmful on social media? It depends. Here are the most likely scenarios of what you may have: