Does Your Homeowner’s Insurance Cover Social Media?
A Texas jury has awarded a wedding photographer more than $1 million after determining a newly married couple unhappy with her work launched a social media campaign to post falsehoods about her. The Dallas County jury found Friday that the campaign against Andrea Polito amounted to defamation. The jury unanimously found the couple acted of out malice in targeting Polito in the months after their October 2014 wedding. (AP) Read article.
Social media has changed how we communicate with family and friends. Technology has made it so that anyone can have their voice heard and their comments recorded for posterity. Among the greatest contributors to this revolution are your teenagers…and you can be held responsible for their actions.
What Kind Of Personal Insurance Claim Can Come From A Social Media Post?
Recently, a 16-year-old student sued five classmates and their parents for online harassment. Whether or not the allegations are true, the teenagers and their parents required legal resources to defend themselves for the possible judgments against them.
What Does Homeowner’s Insurance Provide?
Most people assume their homeowner’s insurance will cover any kind of claim that comes from social media content. However, you need to have personal injury coverage as part of your homeowner’s insurance policy. If you bought your insurance online you may not have this coverage.
Personal Injury coverage is an optional endorsement on the standard homeowner’s policy that provides protection for libel, slander, defamation of character, false arrest, malicious prosecution, and wrongful eviction. This coverage is also provided by most umbrella policies.
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