Southeastern Insurance Services

Southeastern Insurance Services offers a broad range of insurance policies to serve your needs. Plus, ask about our multi-policy discounts!

Personal Coverage	Commercial Coverage	Real Estate
Automobile Home Owners Renters Insurance Mobile Homes Boat, Motorcycle, Jet Ski Personal Umbrella Life and Flood	Business Automobile Commercial Property General Liability Workers Compensation Crime Home Builders Insurance Program Umbrella Liability	Condos Apartments Shopping Centers Golf Courses Office Buildings Coastal Highrises

Do you know what kind of insurance policy you need?
Let us help explain the differences!

Personal Insurance Policies

Comprehensive Home Coverage	Home insurance, or homeowners insurance, is an insurance policy that combines various personal insurance protections which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home. The cost of homeowners insurance often depends on what it would cost to replace the house and which additional riders—additional items to be insured—are attached to the policy. The insurance policy itself is a lengthy contract, and names what will and what will not be paid in the case of various events. Typically, claims due to earthquakes, floods, "Acts of God", or war (whose definition typically includes a nuclear explosion from any source) are excluded. Special insurance can be purchased for these possibilities, including flood insurance and earthquake insurance.
Renters Insurance	Renters Insurance provides coverage for a tenant of a single family residence or a tenant of an apartment. The policy focuses on loss to personal property and loss to additions. Coverage for legal liability is also included. The policy does not include coverage for the dwelling and other structures, because a tenant does not have an insurable interest in the building. However, the policy provides coverage for building additions and alterations made by the tenant. Personal Property is covered against direct physical loss caused by a specified peril. In addition to the coverages provided under Section I of the policy, additional coverages are included for debris removal, fire department service charges, loss assessment charges, reasonable repair charges, and property removal charges. Payment is also made for loss involving credit cards, forgery, and counterfeit money. The additional coverages are included to provide additional protection in the event of certain peril losses. All additional coverages are subject to certain limitations and conditions. If you own and are renting, see Dwelling Fire Insurance.
Dwelling Fire Insurance	Available for non-commercial owners of rented houses, covering property damage to the structure, and sometimes to the owner's personal property (such as appliances and furnishings). The owner's liability is generally extended from their own primary home insurance, and does not comprise part of the Dwelling Fire policy. It is a counterpart to the HO-4 renter's policy.
Scheduled Personal Property Insurance	The scheduled personal property endorsement is used to provide coverage for risk of direct loss for such items as jewelry, furs, cameras, musical instruments, silverware, golfer's equipment, fine arts, postage stamps and rare coins. Scheduled property can be insured for any amount the insured requires.
Comprehensive Auto Coverage	-Owned Automobiles - Covers liability rising out of the ownership, maintenance or use of automobiles. -Hired Automobiles - Covers liability for the use of hired automobiles in your business. -Non-Owned Automobiles - Covers liability for the use of non-owned automobiles in your business. An example would be an employee using his/her own car on an errand for you. -Uninsured Motorists - Protects insureds who are not contributorily negligent against bodily injury caused by negligent uninsured motorists. -Underinsured Motorists - Protects insureds who are not contributorily negligent against bodily injury caused by negligent underinsured motorists. -Comprehensive - Pays for damage to or the loss of automobiles from perils other than collision. A deductible applies. -Collision - Pays for damage to or the loss of automobiles from upset or collision with another object. A deductible applies.
Personal Umbrella	Personal umbrella insurance provides coverage beyond your homeowner or auto policy by adding an extra layer of liability coverage. Coverage is provided in amounts of $1,000,000 increments. Umbrella insurance also covers situations that may not be covered by another policy such as slander or libel.

Commercial Insurance Policies

Commercial General Liability	Under this form of insurance and regarding a covered occurrence, the company will pay all sums the insured becomes legally obligated to pay as damages due to: 1. Bodily Injury (Coverage A) 2. Property Damage (Coverage B) The insurance company has the right to defend any suit against the insured seeking damages on account of such bodily injury or property damage, even if any of the allegations of suit are groundless, false or fraudulent, and to make such investigation and settlement of any claim or suit as it deems expedient. However, the company is not obligated to pay any claim or judgment or to defend any suit after applicable limit of the company's liability has been exhausted by payments of judgments or settlements.
Commercial Property	Commercial property insurance helps businesses, including farms and ranches, pay to repair or replace buildings, associated structures, and contents damaged by fire, storms, theft, and other events outlined in the policy. Business owners who either own or lease their buildings may purchase commercial property insurance. It’s important for a tenant business to understand that the building owner’s insurance policy will generally only cover the building or structure, not the contents of the building belonging to the tenant. Flood insurance coverage is not included with a standard commercial property policy, but is available as a separate policy. *If you are renting a commercial property, you will need to have business personal property coverage to protect the contents within the structure (read your lease).
Builder's Risk	Indemnifies for loss of or damage to a building under construction. Insurance is normally written for a specified amount on the building and applies only in the course of construction. Coverage customarily includes fire and extended coverage and vandalism and malicious mischief. Builders risk coverage can be extended to a "special" form as well. The builders risk policy also may include coverage for items in transit to the construction site (up to a certain percentage of value) and items stored at the site.
Commercial Auto	Commercial auto insurance can provide coverage for your fleet of vehicles and drivers (for you and qualified employees) against injury, loss or damage to vehicles or cargo, plus damage to other property.
Umbrella Liability Coverage	This type of liability insurance provides excess liability protection. Your business needs this coverage for the following three reasons: -It provides excess coverage over the "underlying" liability insurance you carry. -It provides coverage for all other liability exposures, excepting a few specifically excluded exposures. This is subject to a large deductible of $10,000. -It provides automatic replacement coverage for underlying policies that have been reduced or exhausted by loss.
Workers Compensation	Workers compensation insurance covers the cost of medical care and rehabilitation for workers injured on the job. It also compensates them for lost wages and provides death benefits for their dependents if they are killed in work-related accidents, including terrorist attacks.