Personal liability insurance in South Carolina is a crucial form of coverage for those living in the state. It provides protection from financial loss due to lawsuits or other damages caused by a policyholder's negligence. This type of insurance can help protect your personal assets if you are found liable for an accident or other incident that causes injury, property damage, or financial harm.

When selecting a personal liability policy in South Carolina, it's important to understand the basics of coverage and how it works. Generally, personal liability policies cover bodily injury and property damage caused by a policyholder's negligence. These policies also typically cover medical expenses related to injuries suffered due to the policyholder's negligence and may even provide protection against libel or slander claims.

South Carolina Personal Liability Insurance Costs

The cost of personal liability insurance in South Carolina is determined by a variety of factors, including the policyholder’s age, driving record, credit history, and the type and amount of coverage selected. In South Carolina, the average cost of personal liability insurance ranges between $150 and $300 per year.

Premiums can vary significantly from one insurance provider to another, so shopping around for the best rates in your area is essential.

It’s also important to understand that personal liability policies come with deductibles, the amounts you must pay out of pocket before the policy kicks in. Higher deductibles usually mean lower premiums, so you should consider your financial situation and decide if a higher deductible is worth the cost savings.

We Have the Best Personal Liability Insurance Policies in South Carolina

Southern Insurance Group is the best source for personal liability insurance in South Carolina. We have the most comprehensive policies available, tailored to meet our customers’ specific needs and budget levels.

Our experienced agents can help you find the best policy for your situation and make sure that you get the coverage that you need at an affordable price. Don’t wait until it’s too late – get the protection you need today with Southern Insurance Group.

Who Needs Personal Liability Insurance in South Carolina?

In South Carolina, personal liability insurance is typically recommended for anyone who owns property, has significant assets they want to protect, or participates in activities that may lead to a lawsuit.

More specifically, South Carolina residents who should consider purchasing a personal liability policy include the following:

Homeowners – Homeowners are responsible for any accidents that occur on their property and can be held liable for medical expenses and damages resulting from these accidents.
Renters - Even if you do not own your home, renters should still consider purchasing a personal liability policy, as they can be held liable for any accidents on the property.
Business Owners – Business owners are responsible for any negligence that occurs in their business and may be held liable for resulting damages or injuries.
Drivers – Car accident lawsuits are very common, so drivers should consider purchasing a personal liability policy to provide an additional layer of protection in case of an accident.
Sports/Recreation Participants – Many sports and recreational activities come with an inherent risk of injury or death, so participating in such activities could potentially lead to a lawsuit. Purchasing a personal liability policy can help protect you in case of an accident.
Boaters – South Carolina law requires all boat owners to have a minimum amount of liability insurance, so having a personal liability policy is essential.
Landlords – Landlords are responsible for any accidents that occur on their rental property and should have a personal liability policy to provide additional protection if needed.
Volunteers – Volunteer organizations often require their members to have a personal liability policy in case of an accident or injury. This will help protect the organization, as well as the volunteers themselves.

What Does South Carolina Personal Liability Insurance Cover?

In South Carolina, personal liability insurance provides coverage for any accidental bodily injury or property damage that you (or your family) cause to another person. It can protect you and your assets if you are found liable in a lawsuit or have to pay out-of-pocket expenses due to an accident.

Some of the things personal liability insurance covers in South Carolina include:

Bodily Injury – This type of coverage will provide financial protection if you are found liable for an accidental injury to another person. It can help cover medical expenses, lost wages, and other costs associated with the injury.
Property Damage – If you (or your family) cause damage to someone else’s property, personal liability insurance can help pay for repairs or replacement of the damaged item.
Legal Fees – Personal liability policies can also provide coverage for legal fees if you end up in a lawsuit due to an accident or injury.
Personal Injury – This type of coverage includes libel, slander, and other forms of personal injury. It can help protect you from any negative publicity or financial loss resulting from such an incident.

Having a personal liability policy in South Carolina is an important way to protect yourself financially in case of an unforeseen accident or injury. It can provide peace of mind and the assurance that you won’t have to pay out-of-pocket expenses if something unexpected happens.

How Much Personal Liability Coverage Do I Need in South Carolina?

The amount of personal liability in South Carolina that you need depends on your individual needs. There is no one-size-fits-all solution, so it's important to consider the following factors when deciding how much coverage to purchase:

Your assets – The amount of personal liability coverage you purchase should be directly correlated with the total value of your assets. If you have significant assets, such as a home or investment portfolio, then you may want to increase the amount of coverage since they could be at risk in a lawsuit.
Your lifestyle – Depending on your lifestyle and activities, you may require more or less coverage. For example, if you participate in risky sports like skiing or rock climbing, then it's wise to increase your policy limit since those activities can lead to accidents.
Your location – The state you live in can also influence the amount of coverage you need since some states have higher liability limits than others.
Your occupation – If you work in a field with a high potential for accidents or lawsuits, such as construction or healthcare, then it's important to have adequate coverage.
Your income level – Depending on your income level and ability to pay out-of-pocket expenses, you may want to adjust your policy limit accordingly.
Your homeowners' insurance – Personal liability policies can often be bundled with your existing homeowners' insurance policy, which can save you money and make managing your coverage easier.

Ways to Save Money on South Carolina Personal Liability Insurance

To save money on South Carolina personal liability insurance, consider the following tips:

Increase Your Deductible – Increasing your deductible is a great way to lower your premiums while still getting the protection you need. The higher your deductible, the less likely you are to file a claim due to smaller incidents since you’d have to pay the entire amount out of pocket.
Bundle Your Policies – Bundling multiple policies from one insurer can often result in significant savings. Insurers typically offer discounts when you bundle home and auto insurance with liability coverage.
Shop Around for Discounts – Many insurers offer discounts for various factors such as age, occupation, or lifestyle. It’s important to research these options and take advantage of any that apply to you.
Check Your Credit – Many insurers will take your credit score into account when calculating premiums. A good credit score can result in lower rates, so it’s important to maintain a healthy credit history.
Avoid Small Claims – Filing small claims on your personal liability policy can lead to higher premiums and even cancellation of the policy. It’s important to consider whether the amount you would receive from a claim is worth more than what you would pay in increased premiums after filing it.
Pay Annually – If possible, try to pay for your entire year of coverage upfront instead of breaking up payments throughout the year. Insurers usually offer discounts for those who choose this option since they don’t have to worry about collecting payments each month.
Review Your Policy Regularly – As your life changes, so should your policy. Make sure to review it regularly to make sure the coverage still meets your needs and that you’re paying a competitive rate.

By following these tips, you can ensure that you are getting the coverage you need at an affordable price.

Compare South Carolina Personal Liability Insurance Quotes

Comparing quotes from multiple insurers is the best way to get the most competitive rates on personal liability insurance in South Carolina. Here at Southern Insurance Group, we make it easy to get free, personalized quotes from top-rated insurers in the state.

Our experienced agents can also help you find the policy that best suits your needs and budget. Contact us today for more information or a free quote.