For many South Carolina homeowners, a friendly dog is part of the family. But even the gentlest pets can have bad days, and if your dog bites or injures a guest, you might find yourself facing medical bills or even legal claims. That’s where your home insurance policy through Champion Insurance Agency, serving South Carolina, steps in.

How Liability Coverage Comes Into Play

Most standard home insurance policies include personal liability coverage, which helps protect you if your dog injures someone who doesn’t live in your home. This coverage typically helps pay for medical treatment, lost wages, and even legal costs if the injured person decides to sue. However, coverage limits vary, and some insurers exclude certain breeds or individual dogs with a bite history. It’s always smart to confirm that your policy hasn’t carved out exceptions that could leave you unprotected.

When Medical Payments Coverage Helps

In addition to liability, your home insurance might include medical payments coverage, which helps pay for smaller injuries regardless of who was at fault. Say your dog nips a delivery driver, resulting in a quick urgent care visit. This part of your policy could take care of the bill, avoiding a larger claim and preserving your relationship with your insurer.

Special Concerns for South Carolina Homeowners

South Carolina law often holds dog owners strictly liable for bites, meaning you could be responsible even if your pet’s never shown aggression. 

Ensuring You’re Properly Protected

Your dog may be a sweetheart, but insurance companies see risk where you see affection. If you’re unsure what your policy covers, talk with your local agent at Champion Insurance Agency, serving South Carolina. A quick review today could save you major stress if a playful bark turns into a costly bite.