Southern Pioneer Property & Casualty Insurance Company

Wether you need the broader coverage of our Homeowner 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 Policy Program will provide from $10,000 to $125,000 coverage limits in basic form or from $50,000 to $125,000 coverage limits in broad form with a $25,000 basic liability limit.  We also offer increased coverage on contents and outbuildings.

We offer a Homeowners Program for mobile homes with $5,000 to $60,000 coverage limits in basic form or from $30,000 to $60,000 coverage limits in broad form with a $25,000 basic liability Limit.  Increased coverage can be purchased on contents and outbuildings.

If you do not need the expanded coverages of a Homeowners policy we offer Dwelling Fire programs on owner and tenant occupied dwellings from $10,000 to $125,000 coverage limits in basic form and $50,000 to $125,000 coverage limits in broad form.

If you need coverage on an unoccupied property our Vacant Dwelling Program will meet your needs.  With $10,000 to $125,000 coverage limits available in basic form, we can provide coverage for up to 18 months of vacancy.

Seasonal dwellings and mobile homes from $5,000 to $50,000 in value may also be covered under our programs.

Our Rental Mobile Home Program offers from $3,000 to $30,000 coverage limits in basic form for tenant occupied mobile homes.

We offer up to $100,000 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
• Agency Binding Authority
• Online quoting and application submission
• ACH premium payments
• Direct deposit on agency commissions
• Experienced ‘Specialty Market’ Underwriting Staff
• Local claim adjustment
• Personal underwriting assistance
• Same day policy and endorsement processing
• Service second to none!
• A ‘person’, not a ‘machine’ answers the phone
• In-state company
• Incentive bonus based on production and loss ratio
• Broader coverages and higher limits available than most specialty markets

This product is currently available in the state of Tennessee.  We will begin writing this product in Arkansas in the near future.