Criminal Defense Cost Reimbursement – Defense of Persons or Property is a special coverage that helps reimburse legal expenses if you are charged with a crime while lawfully defending yourself or your property.
🛡️ What It Covers:
- Legal defense costs (e.g., attorney fees, court costs).
- Applies only if:
- You were defending yourself, someone else, or your property.
- The act was lawful (e.g., self-defense or defense of your home).
- You’re found not guilty, or charges are dropped.
📌 Key Points:
- Coverage limit: $25,000 under the Select plan.
- This does not pay fines, penalties, or damages.
- Meant to protect homeowners from the high costs of defending against criminal charges resulting from justified actions.
🧍Example Scenario:
Someone breaks into your home. You act in self-defense and the intruder is injured. You are charged but later cleared of wrongdoing. This coverage can help pay your legal bills.