With folks on average spending 145 minutes on social media each day, Make sure you know that what you (or your teens!) say or post on social media can become a personal liability.

And while your homeowners or renters’ insurance policy covers things like property damage or injury for everyone in your household, it doesn’t cover social media activity that damages a person’s reputation.

If you’re a social media user, keep these things in mind:

  • Think carefully about what you’re writing.
  • Don’t post anything when you’re angry or emotional.
  • Check your facts to make sure they’re true.
  • Make it clear when something is an opinion or joke rather than a fact.
  • Be hesitant to post anything negative about neighbors, friends, co-workers, etc.
  • If you make a mistake, be quick to issue an apology

If you’re an avid user or blogger, talk you your agent about personal injury liability on your homeowners policy. You may want to look into a personal umbrella policy as well. There are coverage options that would help protect your family and your assets in the event that an online disagreement turns into a legal battle.

We all make mistakes sometimes, but with the right coverage in place, the fallout of those mistakes doesn’t have to devastate your family. If you’d like a personal liability quote, let me know–I can easily pull one together for you in just a few minutes.


Reach out to us today!
Montana First Insurance
Montana Insurance Agency
Kalispell, MT Insurance Agency