Yes you do! This is not a standard coverage with most companies so it will need to be added - the cost is minimal. This protects you against false arrest, wrongful eviction/entry, privacy violation, slander, defamation of character and emotional damages. Having this coverage does not mean you can do it and will be covered. There are exclusions for willful, malicious and illegal activities. These types of claims, although uncommon, often come with a large price tag. The coverage may pay for defense costs plus the judgement or settlement to the injured person.