Personal injury coverage on a homeowners insurance policy provides protection for the policyholder and their family members against claims of certain types of injuries or damages that are not related to physical harm or damage to property.

Personal injury coverage can protect against claims such as:

• Libel or slander: If someone accuses you or a family member of making false statements that harm their reputation, personal injury coverage can help cover legal fees and settlements related to the claim.

• Invasion of privacy: If someone claims that you or a family member violated their privacy rights, such as through publishing private information, personal injury coverage can help cover related expenses.

• False arrest, detention or imprisonment: If someone claims that you or a family member unlawfully detained or imprisoned them, personal injury coverage can help cover related legal costs.

• Malicious prosecution: If someone claims that you or a family member prosecuted them without reasonable cause, personal injury coverage can help cover related expenses.

Personal injury coverage is typically included in a standard homeowners insurance policy, but the coverage limits and specific types of claims covered may vary depending on the insurance provider and policy. It's important to review your policy or speak with your insurance agent to understand the details of your personal injury coverage.

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