any Insurance Co cover legal matters with ones homeowner Ins.?

Answer 1

Yes, if you are sued for certain things, it's covered under your homeowners policy. This would include defense costs and judgements, up to your policy limits.

It does NOT cover defense costs for, example, DUI charges, or any legal prodedings YOU initiate.

Check with your agent to get policy specific, situation specific answers for you.

Answer 2

That depends on your legal matter and what your policy says. It's best to contact your agent and have them run the scenario by the claims dept. We have these questions all the time. The insurance companies duty to defend you is greater than their duty to indemnify. If it's questionable, they may extend a defense to you under a reservation of rights of ROR. That simply states that as they continue to investigat the loss and if coverage exists, they reserve the right to disclaim/deny coverage should that be appropriate. Them providing a defense does not estop them in anyway.

You should post what your matter is for more specific answers. We have a policy which covers you for not only bodily injury you may cause to someone but also personal injury which includes false arrest, imprisonment, malicious prosecution and detention, wrongful eviction, entry, invasion of rights of privacy, libel, slander, defamation of character, and discrimination because of race, color, religion or national origin so you never know. It's hard to know what is and is not covered until a proper investigation is completed.
Good luck

Answer 3

If you have a claim from an occurrence covered by your homeowners policy that involves a third party, the insurer has the right and duty to defend your and its rights if the matter becomes adjudicated.

Contact your broker, who will give you specific direction for filing the claim and its aftermath.

Answer 4

You would need to specify the legal matter. Read your policy and it should tell you that you have to be legally liable for a suit against you for it to pay.