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Are you monitoring their posts? Do you know if your child is posting something dangerous on Social Media that is going to get them in trouble? Is your child bullying someone? Do you know you could be one tweet away from a lawsuit? There is an endorsement you can add to your homeowner's policy that will help protect YOU again something like that. A personal injury endorsement extends coverage to any emotional damages you might be sued for as well as pay the legal costs of defending yourself in the event of a lawsuit. A standard homeowners policy coverage may include things like invasion or violation of privacy and slander and defamation but does nothing on the emotional damages those create. Having this endorsement does not allow you to say or write mean things to other people but does offer you some protection in case it happens. Make sure as a parent, you are talking to your child about their posts on social media. Do they know what is expected of them, what is hurtful to others, and that one post could impact your whole family? Make sure you review your coverages with your agent annually. This endorsement is fairly inexpensive and could save your family down the road.

Be Aware of What Your Kids Are Doing Online

* Know the sites your kids visit and their online activities. Ask where they’re going, what they’re doing, and who they’re doing it with.

* Tell your kids that as a responsible parent you may review their online communications if you think there is a reason for concern. Installing parental control filtering software or monitoring programs are one option for monitoring your child’s online behavior, but do not rely solely on these tools.

* Have a sense of what they do online and in texts. Learn about the sites they like. Try out the devices they use.

* Ask for their passwords, but tell them you’ll only use them in case of emergency.

* Ask to “friend” or “follow” your kids on social media sites or ask another trusted adult to do so.

* Encourage your kids to tell you immediately if they, or someone they know, are being cyberbullied. Explain that you will not take away their computers or cell phones if they confide in you about a problem they are having.

Sources-; Teens, Social Media, and a Parent’s Liability

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