Since being founded in 2005, Southern Fidelity Group has provided independent agents throughout Florida, South Carolina and Louisiana a line of competitive products and services in order to meet the needs of their customers.

For over 10 years, Southern Fidelity Group has incorporated its mission statement of offering superior service, competitive coverages, expedited claim service, and peace of mind for our policyholders through its companies Southern Fidelity Insurance Company, Inc. (SFIC) and Southern Fidelity Property & Casualty (SFPC). Currently, Southern Fidelity services over 160,000 policies throughout Florida, South Carolina and Louisiana.

HOMEOWNERS INSURANCE

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 their 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.

DWELLING FIRE INSURANCE

Through the Dwelling Fire policy, Southern Fidelity provides property owners and landlords the tools they need to protect their investment and source of income.

The 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.

CONDOMINIUM INSURANCE

Through one of our Condo policies (HO-6), Southern Fidelity provides peace of mind to its customers by allowing them to protect their personal possessions and provide liability coverage within the walls of their unit. Typically, the owner’s condo or co-op association provides property and liability coverage for outside of the dwelling.

RENTERS INSURANCE

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 made by others for bodily injury or property damage resulting from the insured’s use of the residence premises or the insured’s non-business activities
• Coverage F – Medical Payments to Others: provides medical payments to persons other than the insured or residents of the insured’s household who are injured on the insured’s premises

PERSONAL UMBRELLA INSURANCE

Southern Fidelity’s Personal Umbrella policy helps protect our insureds’ assets from major claims and lawsuits by providing extra liability insurance above the limits of their primary homeowners, auto, and boat insurance policies.

When policy limits on the underlying home or auto policies are not enough to indemnify an injured party, a policyholder’s retirement funds, investments, and savings could be at risk. The Personal Umbrella policy is there to provide added protection to an insured’s personal assets in the event that an insured’s underlying policy limits become exhausted.

ADDITIONAL COVERAGES

Equipment Breakdown
Southern Fidelity provides our customers the opportunity to purchase complete and affordable protection against home equipment repairs through its Equipment Breakdown coverage. This endorsement provides our insureds protection for all important home systems and property due to loss by mechanical or electrical breakdown.

This includes coverage for your home security systems, electrical systems, personal computers, home electronics and appliances, heating and cooling systems, swimming pool equipment, water heaters, well pumps, garden tractors, and more.

Flood
Southern Fidelity is a Write Your Own (WYO) flood coverage provider that allows our customers the opportunity to protect their homes from one of the most common and costly of natural disasters. Since Homeowners and Renters Dwelling policies do not typically cover flood damage, it is important for insureds to speak with their agent about purchasing this coverage even if their property is not located in a high-risk flood zone. In fact, over 20% of flood claims are for properties located outside of high-risk zones.

Flood insurance covers direct physical loss caused by a flood or an excess of water on land that is normally dry. The two types of Flood Insurance coverage available are Building Property (up to $250,000) and Personal Property (up to $100,000).

Identity Theft
Southern Fidelity understands the need to protect your identity and guard against the consequences that could occur if you become a victim of Identity Theft. That is why Southern Fidelity offers our customers a “fully managed” resolution service in order to recover their identity quickly and with as little disruption as possible.

Southern Fidelity has your back for all nine (9) types of Identity Theft including:

• Financial
• Medical
• Child
• Social Security
• Driver's License
• Criminal
• Employment
• Insurance
• Synthetic