Southern Fidelity is one of the most trusted insurance companies in the United States. They’re dedicated to offering comprehensive insurance solutions and exceptional customer service to their clients. The company provides a wide range of insurance products including home insurance, auto insurance, flood insurance, and commercial insurance. In this article, we will provide a detailed overview of Southern Fidelity and what makes them stand out from the rest.
History of Southern Fidelity Insurance
Southern Fidelity Insurance Company was established in 2005, with its headquarters located in Tallahassee, Florida. The company was founded with the aim of providing high-quality insurance products and excellent customer service to its clients. Over the years, Southern Fidelity has expanded its services to other states including Georgia, Louisiana, Texas, South Carolina, Mississippi, and Alabama.
Since its inception, Southern Fidelity has received numerous accolades for its services, including high ratings from A.M. Best, the leading rating agency for the insurance industry. The company has also been recognized for its quick and efficient claims processing, which is a testament to their commitment to providing exceptional service to their clients.
Mission and Values
Southern Fidelity’s mission is to provide its clients with peace of mind by protecting their homes, cars, and businesses from unexpected events. They believe in providing personalized solutions that meet each client’s unique needs. The company is guided by five core values: integrity, teamwork, excellence, innovation, and responsiveness. These values are reflected in their operations and interactions with their clients.
Southern Fidelity Home Insurance
At Southern Fidelity, home insurance is their flagship product. They understand that a home is more than just a structure; it’s where you build memories and create a sense of security for your family. Southern Fidelity’s home insurance policies provide comprehensive coverage for your home, personal property, and liability. Their policies also cover natural disasters such as hurricanes, floods, and earthquakes.
One of the unique features of Southern Fidelity’s home insurance is the option to add coverage for home-sharing platforms such as Airbnb and HomeAway. This coverage provides protection against damages caused by renters and ensures that hosts are not liable for any injuries or accidents that occur on their property.
Southern Fidelity Home Insurance Coverage Options
Southern Fidelity offers three levels of coverage for its home insurance policies: basic, standard, and premier. The coverage options vary based on the level of protection required. Below is a breakdown of each coverage option:
Insurance Coverage |
Basic |
Standard |
Premier |
|---|---|---|---|
Dwelling |
Up to $100,000 |
Up to $300,000 |
Up to $1,000,000 |
Personal Property |
Up to $10,000 |
Up to $30,000 |
Up to $100,000 |
Liability |
Up to $100,000 |
Up to $300,000 |
Up to $1,000,000 |
Other Structures |
Up to 10% of Dwelling |
Up to 20% of Dwelling |
Up to 25% of Dwelling |
Loss of Use |
Up to $10,000 |
Up to $30,000 |
Up to $100,000 |
Southern Fidelity Home Insurance FAQ
What does Southern Fidelity’s home insurance cover?
Southern Fidelity’s home insurance policies provide coverage for your home, personal property, and liability. They also cover natural disasters such as hurricanes, floods, and earthquakes.
What is Southern Fidelity’s home-sharing platform coverage?
This coverage provides protection against damages caused by renters on platforms such as Airbnb and HomeAway. It also ensures that hosts are not liable for any injuries or accidents that occur on their property.
What is the coverage limit for Southern Fidelity’s home insurance policies?
The coverage limit varies based on the level of protection required, with options ranging from $100,000 to $1,000,000 for dwelling coverage, and up to $100,000 for personal property coverage.
Southern Fidelity Auto Insurance
In addition to home insurance, Southern Fidelity also provides auto insurance policies that offer protection for your car and liability. Their policies are customizable to fit each client’s unique needs and budget. Southern Fidelity’s auto insurance policies offer coverage for bodily injury, property damage, collision, and comprehensive coverage, among others.
Southern Fidelity Auto Insurance Coverage Options
Southern Fidelity offers three levels of coverage for its auto insurance policies: basic, standard, and premier. The coverage options vary based on the level of protection required. Below is a breakdown of each coverage option:
Insurance Coverage |
Basic |
Standard |
Premier |
|---|---|---|---|
Bodily Injury |
Up to $50,000 |
Up to $100,000 |
Up to $250,000 |
Property Damage |
Up to $25,000 |
Up to $50,000 |
Up to $100,000 |
Collision |
Not Covered |
Up to $50,000 |
Up to Actual Cash Value |
Comprehensive |
Not Covered |
Not Covered |
Up to Actual Cash Value |
Rental Reimbursement |
Not Covered |
Up to $30 per Day |
Up to $50 per Day |
Southern Fidelity Auto Insurance FAQ
What does Southern Fidelity’s auto insurance cover?
Southern Fidelity’s auto insurance policies provide protection for your car and liability. Their policies offer coverage for bodily injury, property damage, collision, and comprehensive coverage, among others.
What is the coverage limit for Southern Fidelity’s auto insurance policies?
The coverage limit varies based on the level of protection required, with options ranging from $50,000 to $250,000 for bodily injury coverage, and up to $100,000 for property damage coverage.
Does Southern Fidelity offer rental reimbursement coverage?
Yes, Southern Fidelity offers rental reimbursement coverage for its premier auto insurance policies, with options of up to $50 per day.
Southern Fidelity Flood Insurance
Southern Fidelity offers flood insurance policies to protect homeowners and business owners against flood damage. Their flood insurance policies are available to clients who live in high-risk areas as well as those who live in low-to-moderate-risk areas. Southern Fidelity’s flood insurance policies provide coverage for structural damage, personal property, and loss of use.
Southern Fidelity Flood Insurance Coverage Options
Southern Fidelity offers three types of flood insurance coverage options: building coverage, personal property coverage, and replacement cost coverage. Below is a breakdown of each coverage option:
Insurance Coverage |
Building Coverage |
Personal Property Coverage |
Replacement Cost Coverage |
|---|---|---|---|
Coverage Limit |
Up to $250,000 |
Up to $100,000 |
Up to $250,000 |
Deductible |
Up to $10,000 |
Up to $10,000 |
Up to $10,000 |
Loss of Use |
Up to $100,000 |
Up to $20,000 |
Up to $100,000 |
Southern Fidelity Flood Insurance FAQ
What does Southern Fidelity’s flood insurance cover?
Southern Fidelity’s flood insurance policies provide coverage for structural damage, personal property, and loss of use caused by floods.
What is the maximum coverage limit for Southern Fidelity’s flood insurance?
The maximum coverage limit for building coverage is up to $250,000, while personal property coverage is up to $100,000. Replacement cost coverage is also up to $250,000.
What is the deductible for Southern Fidelity’s flood insurance policies?
The deductible for Southern Fidelity’s flood insurance policies varies, with options ranging from $1,000 to $10,000.
Southern Fidelity Commercial Insurance
Southern Fidelity provides commercial insurance policies to protect businesses against unforeseen events that could threaten their operations. Their commercial insurance policies are customizable to fit each client’s unique needs and cover a wide range of businesses, including restaurants, retail stores, and professional services.
Southern Fidelity Commercial Insurance Coverage Options
Southern Fidelity offers several types of commercial insurance coverage options, including general liability, commercial property, workers’ compensation, and business interruption insurance. Below is a breakdown of each coverage option:
Insurance Coverage |
General Liability |
Commercial Property |
Workers’ Compensation |
Business Interruption Insurance |
|---|---|---|---|---|
Coverage Limit |
Up to $1,000,000 |
Up to $10,000,000 |
Statutory Limits |
Up to $1,000,000 |
Deductible |
Up to $10,000 |
Up to $10,000 |
N/A |
Up to 30 days |
Southern Fidelity Commercial Insurance FAQ
What types of commercial insurance does Southern Fidelity offer?
Southern Fidelity offers several types of commercial insurance coverage options, including general liability, commercial property, workers’ compensation, and business interruption insurance.
What is the coverage limit for Southern Fidelity’s commercial insurance policies?
The coverage limit varies based on the type of coverage required, with options ranging from $1,000,000 to $10,000,000 for general liability and commercial property coverage, and up to $1,000,000 for business interruption insurance.
Does Southern Fidelity offer workers’ compensation coverage?
Yes, Southern Fidelity offers workers’ compensation coverage with statutory limits.
Conclusion
Southern Fidelity Insurance Company is a trusted and reliable insurance provider that offers comprehensive insurance solutions to its clients. Their commitment to providing personalized solutions and exceptional customer service has earned them a reputation as one of the best insurance companies in the market. Whether you’re looking for home insurance, auto insurance, flood insurance, or commercial insurance, Southern Fidelity has got you covered. Contact them today to learn more about their services and how they can help protect your home and your life.