Call your home/renter's insurance agent and ask them to add a "personal injury" rider. Increase your liability limit to $1m. You'll be insured against suits for

Call your home/renter's insurance agent and ask them to add a "personal injury" rider. Increase your liability limit to $1m. You'll be insured against suits for libel/slander (assuming you aren't doing so maliciously). It'll probably cost you another $50 a year. It's a life saver. I have a friend to was sued, wrongfully, for defaming someone online and his insurance covered the entire defense.