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Insurance Coverage of Acts of Molestation

An offender's homeowner's insurance policy will not cover such acts.

Ohio
State:
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Key point. The homeowner's insurance policy of a child molester cannot be tapped to pay for victims' injuries or the molester's legal fees.

! The Supreme Court of Ohio ruled that a convicted child molester's homeowner's insurance policy did not cover acts of child molestation. Three minor girls were molested by a former neighbor and friend they called "grandpa." The incidents occurred on several occasions over a period of three years. The victims sued the molester, who referred the lawsuit to his homeowner's insurance company. The insurer claimed that the molester's actions were not covered under the homeowner's policy because of an exclusion for "intentional injuries." The molester admitted that he abused the girls, and that his actions were considered morally wrong by his church. He insisted, however, that at the time of his actions he did not know that his acts would cause emotional ...

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Posted:
  • November 3, 1997

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