Category Archives: Pensacola Insurance Agent

Kittrell Insurance in Pensacola Florida has been helping customers with home, auto, boat, RV and ATV insurance for over 20 years.  If you are looking to insure or reinsure your property, Kittrell can help you find the best insurance policy for your needs.

Home Insurance

Homeowner’s Insurance

Universal Property and Casualty Homeowners insurance writes standard homeowner’s insurance policies that include replacement cost coverage for the home itself, coverage for other structures on the premises, and personal property coverage to protect the owner’s personal property anywhere in the world. Policies also include personal liability coverage to protect homeowners from lawsuits for injuries or negligence.

Dwelling Fire Insurance

UPCIC writes dwelling fire policies for non-owner-occupied homes that are rented out to others. This policy protects...
Read more

Home Insurance

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...
Read more