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.
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...