The homeowners policy provides liability coverage for "bodily injury" caused by an "occurrence", which is defined as an accident including continuous or repeated exposure to substantially the same harmful conditions that result in "bodily injury". "Bodily injury" is bodily harm, sickness or disease, and does not include any sort of libelous or slanderous statements made by the insured. Therefore, since there is no coverage for such actions under the homeowners policy, if an insured is sued for making such statements on social media or otherwise, there would be no coverage for defense. Coverage is available by endorsement; HO 20 82 Personal Injury Coverage provides coverage for personal injury caused by an insured.

DEFINITIONS The following definitions are added: "Personal injury" means injury arising out of one or more of the following offenses, but only if the offense was committed during the policy period:

1. False arrest, detention or imprisonment; 2. Malicious prosecution; 3. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor; 4. Oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; or 5. Oral or written publication, in any manner, of material that violates a person's right of privacy.

"Fungi" means any type or form of fungus, including mold or mildew, and any mycotoxins, spores, scents or byproducts produced or released by fungi. However, this does not include any fungi that are, are on, or are contained in, a good or product intended for consumption.

ANALYSIS