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