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...