National-PC-I Property Policies medium
An insured publishes a defamatory blog post about a neighbor and is sued. The standard HO-3 Coverage E (Personal Liability) does NOT respond because the underlying tort is not 'bodily injury' or 'property damage.' Which ISO endorsement, if attached, would provide coverage? A HO 24 70 Watercraft endorsement, which broadens the watercraft-liability exposure but responds only to bodily injury and property damage classes arising from boating use, not to reputational or other personal-injury torts B HO 24 82 Personal Injury endorsement, which broadens Coverage E to include offenses such as false arrest, malicious prosecution, wrongful eviction, libel, slander, defamation, and invasion of privacy C HO 04 36 Loss Assessment Coverage, which pays the insured's pro-rata share of homeowner-association assessments but is strictly a property-line endorsement and does not reach personal-injury or defamation torts D HO 05 30 Functional Replacement Cost, which alters Coverage A building valuation to a functional-equivalent basis and is a property-settlement endorsement wholly unrelated to liability defamation claims
