Homeowners and Dwelling Fire Insurance
Whether you need the broader coverage of our homeowners policy or the specific coverages of our dwelling fire policy, Southern Pioneer Property & Casualty Insurance Company has a program to meet your needs.
Our residential homeowners program will provide from $40,000 up to $150,000 coverage limits on the basic form or from $50,000 up to $150,000 coverage limits on the broad form with a $25,000 basic liability limit. We also offer increased coverage on contents and outbuildings.
If you do not need the coverages of a homeowners policy, we offer a dwelling fire program on owner-occupied or tenant-occupied dwellings from $25,000 up to $200,000 coverage limits on the basic form or from $50,000 up to $200,000 coverage limits on the broad form.
If you need coverage on an unoccupied property, our vacant dwelling program will meet your needs. With $10,000 up to $125,000 coverage limits available, we can provide coverage for up to 18 months of vacancy.
We offer up to $300,000 liability limits with multiple deductible options and payment plans to meet your needs.
Reasons agents choose Southern Pioneer Property & Casualty Insurance Company:
• 15% commission on all programs
• Agent binding authority
• Online quoting and application submission
• ACH premium payments
• Direct deposit on agency commissions
• Experienced specialty market underwriters
• Local claims adjusting
• Personal underwriting assistance
• Same day policy and endorsement processing
• Service second to none!
• In-state company
• Incentive program based on production and loss ratio
• Broader coverages and higher limits than most specialty markets
These programs are currently available in the state of Tennessee. We plan to begin writing these programs in Arkansas in the near future.