Southern Fidelity dedicates itself to providing peace of mind to our insureds when it comes to protecting one of their most cherished assets – their home. Through one of our Homeowners policies, your (owner-occupied) home will be protected from financial loss after a covered event. Our Homeowners policies (HO-2, HO-3) safeguard your home’s structure and your personal belongings. They also protect you from any liability you may have for injuries to others that were sustained on your property.
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Through our Dwelling Fire policy, Southern Fidelity provides property owners and landlords the tools they need to protect their investment and source of income.
Our typical Dwelling Fire policy (DP-3) provides coverage for the property, personal possessions, liability, and displaced income of a risk that is either a rental or non-owner occupied. Dwelling Fire policies can also be used for owner - occupied homes, but this is not advised as it typically does not provide as much coverage as a Homeowners policy.
Southern Fidelity helps renters protect their personal property through one of our HO-4 policies.
The typical coverages on a Renters (HO-4) policy include:
- Coverage C – Personal Property: provides coverage for the physical loss of or damage to the personal property located within the structure
- Coverage D – Loss of Use: covers additional living expenses when the property is uninhabitable due to a covered loss
- Coverage E – Personal Liability: provides protection for the homeowner and other insured persons against claims...
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