Personal Injury Coverage

As a landlord, personal injury coverage is usually part of your landlord insurance or rental property insurance policy under the liability section. This coverage protects you if someone on your rental property claims they suffered a personal injury due to your negligence or actions related to the property.

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What Does Personal Injury Mean for a Landlord?

In the insurance context for landlords, personal injury generally refers to non-physical harm caused to a tenant, visitor, or third party. This includes claims such as:

• Libel or slander (defamatory statements made about someone)
• Wrongful eviction (evicting a tenant without following proper legal procedures)
• Invasion of privacy (e.g., unlawful entry or harassment)
• False arrest or detention (if a landlord wrongly accuses a tenant of wrongdoing)
• Discrimination claims related to renting practices (sometimes)

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What Personal Injury Coverage Protects Against:

• Legal defense costs if you are sued for personal injury claims.
• Settlements or judgments if the claim is proven.
• Protection from lawsuits involving non-physical injuries tied to your actions or negligence as a landlord.

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What It Usually Does NOT Cover:

• Bodily injuries like slip-and-fall accidents (these fall under bodily injury liability).
• Property damage claims (usually a separate coverage).

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Why Is This Important for Landlords?

As a landlord, you have potential liability beyond just physical injuries on the premises. Personal injury claims can arise from disputes with tenants, how you handle tenant rights, or communications that unintentionally cause harm to someone’s reputation or privacy. Having personal injury coverage helps protect your assets and business from these types of lawsuits.