He/She said What?????

He/She said What?????

In recent years, social media has consumed the lives of many people. It is a wonderful tool to connect with folks you do not see often, or haven't seen in many years, but it can also be the platform for heated debates. These debates lead to name calling, and judgements of others, that we don't necessarily have a right to make. At HRC Insurance, we feel Personal Offense Coverage is one of the most important, and least expensive coverages, that is available on your home insurance policy.

How many times have you read hateful comments on a Facebook post or a derogatory tweet on someone's Twitter feed? People call others all kinds of names without truly knowing that individual at all. Most don't even realize that there can be consequences to the words you are throwing at others while scrolling through the thousands of posts available to you. Offenses such as libel, slander, or defamation of character are never thought of as you attack another person for having a different viewpoint. Let's take a look at each one of these offenses.

1.) Libel - A published false statement that is damaging to a person's reputation.

2.) Slander - An action or crime of making false statements damaging someone's reputation.

4.) Defamation of Character - False statement whether written or spoken with intent to harm or slander.

Has anything you read on social media lately fallen into these categories? Has anything you have said about another individual fallen into these categories? Have you ever even thought about the fact that you can be sued over what you accuse others of?

I hope that this article will open your eyes to what can happen when you are not careful with what you say about others. Personal offense coverage is availble for that mistake you make while engaging in these heated debates, at sporting events, or even while driving. The best part of this coverage is the price. With one of our carriers, you can get $500,000.00 in personal offense coverage for only $11.00 per year. How can you say no to that?

In addition to covering the offenses mentioned, this added benefit will also cover false arrest, detention, imprisonment or malicious prosecution, invasion of privacy, wrongful eviction, and wrongful entry. That's a lot of coverage for a little bit of premium. If you do not have this coverage, or if you are unsure, we encourage you to check with your agent today. Your words intended to hurt others may end up hurting you more.


Written with your best interest in mind by:

Christina Knox

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