Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 15, 2020

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The homeowner or renters insurance does protect you or your son, or any other family member for damages to another person’s property, but there are some limitations in the policy. Actions by a child under 13, whether done intentionally or not, are generally covered by the insurance policy. Talk to your agent to be sure your policy works in that manner.

In addition, if a child who is 13 or older accidentally breaks a window of a neighbor, it too will be covered under your policy. Your policy also covers you if something happens off your premises, presuming the damage was accidental. An example would be a golf ball striking a car and breaking the windshield, or your son playing baseball elsewhere and hitting a car, or even a person. This would be covered by your policy.

There is no deductible for any of these covered incidents. Any intentional acts by an adult (or a child who is 13 or over) are usually excluded in the policy. The policy can be endorsed to include “personal injury” which covers you for libel, slander, defamation of character and wrongful eviction. The cost to add this is relatively inexpensive and highly recommended.