Personal Lines

Carrier Partners

  • Underwriters at Lloyds of London (Coverholder)
  • Canopius US Insurance Inc
  • Safehold – Builders Risk

Where We Write

  • ALABAMA COUNTIES – Mobile, Baldwin
  • MISSISSIPPI COUNTIES – Hancock, Harrison, Jackson
  • SOUTH CAROLINA COUNTIES – Beaufort, Colleton, Charleston, Georgetown, Horry
  • FLORIDA COUNTIES – Escambia, Santa Rosa, Okaloosa, Walton, Bay

SSIU offers flexible coverage options for all your Personal Lines accounts, including

  • Homeowners – Primary and Secondary
  • Rental Dwellings
  • Condominium Unit Owners
  • Wind Only
  • Vacant Dwellings
  • Builders Risk
  • Primary and Excess Flood (including CBRA zone flood)

Highlights of our Personal Lines programs include

  • Discounts for Storm Shutters/impact glass, Metal Roofs, Hip Roofs, New Home Credits, Monitored Alarms, Fortified Construction
  • Service Discounts available for active and retired military, educators, first responders
  • No Distance-to-Coast requirement
  • Flexible AOP and Wind/Hail or Named Storm Deductibles
  • Flexible underwriting for special circumstances

Submissions & Our Online Rater

Personal lines submissions should be entered in our online rater by visiting Simply login to the portal, select the program type, and enter the insured’s name and risk address. The portal will automatically search online databases to gather property data and auto-fill that data and provide recommended coverage limits. Agents will have the ability to make a one-time change to the property’s MSB and load that data into the submission. We allow flexible coverage limits and deductible options, as well as optional coverages like mold, water backup and scheduled property. Hit “Rate/Save” to load your changes, and receive instant quotes along the top of the screen.

Submissions which require Underwriter approval will be submitted directly to the SSIU Underwriting team for review. Upon approval, agents will be notified by email that they are eligible to proceed with applications and binding.

View the Online Rater “How To” videos here