Personal Injury Endorsement The Non-Physical Harm Coverage
Now for the other definition of personal injury in insurance: harm that does not involve physical injury but causes legal and financial damage nonetheless.
A personal injury endorsement on a renters insurance policy covers:
- Defamation — false statements you make, written or spoken, that damage someone’s reputation
- Libel — written defamatory content, including social media posts, emails, and reviews
- Slander — spoken defamatory statements
- Invasion of privacy — sharing or publishing private information about someone without consent
- False arrest/wrongful detention — accusations that cause someone to be wrongfully detained
- Malicious prosecution — filing false legal claims against someone
This endorsement is not automatically included in most standard renters policies. Lemonade offers it in Utah, Georgia, Ohio, and South Carolina as of 2026, with additional states coming. Progressive offers enhanced packages that include personal injury protection for renters in some states.