Which of the following endorsements to the Homeowners Policy adds coverage for injury resulting from libel, slander, false arrest, defamation, and invasion of privacy?

Prepare for the Idaho Property and Casualty Exam. Utilize flashcards and multiple-choice questions. Each question is accompanied by hints and explanations. Gear up for success on your exam!

The Personal Injury Endorsement is specifically designed to extend coverage under a Homeowners Policy for certain types of non-physical injuries. This endorsement includes liability for claims such as libel, slander, false arrest, defamation, and invasion of privacy. These types of injuries are considered personal and do not fall under the standard bodily injury or property damage definitions covered by a typical Homeowners Policy.

By adding this endorsement, a homeowner secures coverage for legal claims that might arise from such offenses, which can often lead to significant financial liability. This inclusion is particularly relevant for individuals who may be exposed to risks associated with personal communications in their social or professional lives, such as running a blog, engaging in community activities, or hosting events.

In contrast, the other endorsements mentioned serve entirely different purposes. The Business Pursuits Endorsement focuses on protecting the insured for business activities conducted away from the home, while the Permitted Incidental Occupancies Endorsement provides limited coverage for residential areas being rented out. The Additional Residence Rented to Others Endorsement pertains specifically to properties rented to tenants and is not related to personal injury liabilities. Each of these endorsements addresses specific risks, indicating how vital it is for homeowners to select the appropriate coverage based

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