Personal Lines

SSIU offers flexible coverage options for all your Personal Lines accounts

  • Homeowners
  • Rental Dwellings
  • Condominium Unit Owners
  • Wind Only
  • Vacant Risks
  • Builders Risk
  • Primary & Excess Flood (incl. CBRA Zone flood)

Highlights of our Personal Lines Programs

  • 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* available
  • 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, and offer many optional coverages like mold, water backup, scheduled property, home systems and service line protection, and identity fraud protection. 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. Typical turnaround for submitted risks is 2 business hours or less.

HSB HomeWorks Products

SSIU is pleased to offer HSB HomeWorks products as optional coverages to our HO3 and DP3  products, including:

Note – Enhanced Identity Recovery coverage is only sold in conjunction with either HSB Home Systems Protection and/or HSB Service Line Coverage.

Carrier Partners

  • Underwriters at Lloyd’s of London (Coverholder)
  • Chubb European SE
  • Convex UK Limited
  • Chaucer Insurance Company DAC
  • Safehold – Builders Risk
  • Palomar Specialty (Admitted) – Builders Risk

Where We Write

  • ALABAMA COUNTIES – Mobile, Baldwin
  • FLORIDA COUNTIES – Bay, Escambia, Franklin, Gulf, Nassau, Okaloosa, Santa Rosa, Walton, Wakulla
  • GEORGIA COUNTIES – Bryan, Camden, Chatham, Glynn, Liberty, McIntosh
  • MISSISSIPPI COUNTIES – George, Hancock, Harrison
  • SOUTH CAROLINA COUNTIES – Beaufort, Charleston, Colleton, Georgetown, Horry
  • TEXAS COUNTIES – Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Harris, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy