Homeowners Insurance

Homeowners Insurance is made easy with SSIA. If you’re like most Americans, your home is your biggest investment.  Obtaining a replacement cost homeowner’s policy from a financially stable carrier will ensure that you are properly protected.

Find the plan that’s right for you.  Use our custom quote generator.

SSIA represents a multitude of reputable insurance carriers who offer competitive rates and comprehensive homeowners insurance coverage.  As an independent agency, our loyalty lies with our clients, not the big name insurance company. As such, we shop the available markets on your behalf to help determine which company and policy is best suited for your needs and budget.

In life and in insurance, you typically get what you pay for, so be diligent in your efforts to find a professional willing to discuss your policy and coverage in detail.  Whether it’s a new purchase, or you’re just shopping for a better rate and coverage, contact us today so that we can discuss your options.

Do we have Homeowners Insurance discounts?

Yes. Many of our carriers offer discounts for newly constructed homes, updated homes, storm shutters, metal roofs, brick homes, primary homes, FORTIFIED Homes™, plywood shutters and fire/burglar alarms.  Call our office today to discuss which discounts may apply to you.

*Be sure to ask about Service Personnel discounts, which are available through some of our carriers for schoolteachers, military, police, firefighters, and other first responders.  Your service to our country is appreciated and many carriers are honored to offer a 5% discount on your homeowner’s insurance policy.

Interested in FORTIFIED Homes™ discounts? Carriers are rewarding customers with discounts for building and renovating homes to be more structurally sound – and these building standards make a significant difference in a storm. Learn more about FORTIFIED Homes here, or call us to discuss how this program could save you money on your annual premium if you’re building or renovating.

What is included in a Homeowners Insurance policy?

Typical homeowner’s insurance policies provide coverage for your Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability, and Medical Payments. Your homeowners insurance coverage will typically be limited to the amounts purchased in each of the above categories.

**Buyer Beware** Not all policies are created equal, so make sure your homeowner’s insurance policy is settled on a Replacement Cost basis.

SSIA provides homeowner’s insurance policies for homes up to $15,000,000 and can offer coverage regardless of your location. Please contact us to set up a free homeowner’s insurance consultation with one of our helpful professionals today.


SSIA can help you obtain Homeowners Insurance for properties in Alabama, Mississippi, Florida, South Carolina and Tennessee. Let us provide you a quote for your properties!

And don't forget...

We also write for Wind Insurance and Flood Insurance for your beachfront property, waterfront home, or bay house. Click here to learn about COBRA zones – or zones not covered by the NFIP.

Video: 7 Factors that Influence Your Homeowners Insurance Rates