Question

If a homeowner wants coverage for such things a libel and slander, what should the agent tell his client?

1) not to worry. it is included in the liability section of the homewoner's policy
2) have the client add a personal injury endorsement to the contract
3) this cannot be covered under a homeowner's policy. the client will need a commercial general liability

Answer 1

To obtain coverage for libel and slander, a homeowner should add a personal injury endorsement to their homeowner's insurance policy.

Step-by-step explanation:

If a homeowner seeks coverage for instances such as libel and slander, the insurance agent should recommend the homeowner to add a personal injury endorsement to their homeowner's insurance policy. Standard homeowners' insurance policies may not include coverage for personal injury, which encompasses libel and slander, so adding this endorsement can provide the necessary protection. It is important to clarify that libel—making a false written statement that defames a person's character—and slander—making a false spoken statement that defames a person's character—are taken seriously under the law, particularly in cases involving public figures where a higher standard of proof, such as actual malice, is required as established by New York Times Co. v. Sullivan (1964).