Unlike commercial insurance, most homeowner’s insurance policies don't include coverage for libel, slander, false arrest, or invasion of privacy.
Several years ago, a “good friend” of mine was away on vacation. Neighborhood kids decided it would be OK to party at his home. The place was trashed. Upon returning home my friend pressed charges against the kids. My friend was also not timid about telling people what the kids had done. The delinquents’ parents threatened a lawsuit for defamation. I wasn’t worried—I mean my friend wasn’t worried—because he had truth and an insurance policy on his side.
Ask your agent. You may be able to endorse protection to your current policy or use a personal umbrella liability policy to fill the gap in protection.
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