Which is true about the personal injury endorsement HO 24 82?

Which is true about the personal injury endorsement HO 24 82?

• A. It covers only bodily injury
• B. It excludes all personal injury coverage
• C. It only covers bodily injury and property damage, and adds personal injury coverage if endorsed
• D. It provides coverage for business property

Answer: (C)

The key idea is that a homeowners policy already provides liability for bodily injury and property damage, but it usually excludes personal injury liability. The HO 24 82 Personal Injury Endorsement is specifically designed to add that missing protection. When this endorsement is attached, the policy expands to cover personal injury claims such as libel, slander, invasion of privacy, false arrest or imprisonment, wrongful eviction, and certain advertising injury, in addition to the existing bodily injury and property damage coverage. Without the endorsement, those personal injury claims aren’t covered, but with it, you get comprehensive liability protection that includes personal injury. That’s why the statement describing HO 24 82 as something that starts with bodily injury and property damage coverage and adds personal injury coverage if endorsed is the best fit. It does not provide business property coverage, and it isn’t correct to say it excludes all personal injury coverage or that it covers only bodily injury.

The key idea is that a homeowners policy already provides liability for bodily injury and property damage, but it usually excludes personal injury liability. The HO 24 82 Personal Injury Endorsement is specifically designed to add that missing protection. When this endorsement is attached, the policy expands to cover personal injury claims such as libel, slander, invasion of privacy, false arrest or imprisonment, wrongful eviction, and certain advertising injury, in addition to the existing bodily injury and property damage coverage. Without the endorsement, those personal injury claims aren’t covered, but with it, you get comprehensive liability protection that includes personal injury.

That’s why the statement describing HO 24 82 as something that starts with bodily injury and property damage coverage and adds personal injury coverage if endorsed is the best fit. It does not provide business property coverage, and it isn’t correct to say it excludes all personal injury coverage or that it covers only bodily injury.