Florida Lifestyle 3min Read

Finding Insurance in Florida

So, you’ve landed in Florida, where the sun shines, the storms surprise, and figuring out the right home insurance policy feels like choosing the best seashell on the beach. Overwhelming? Definitely. But what if we told you that your lucky number is seven?

At Security First Insurance, we’ve simplified your insurance search with seven standout home insurance solutions, each one built with Floridians in mind. Whether you own a high-value coastal home, rent a downtown condo, or manage multiple investment properties, there’s a tailored policy for you.

Wondering what the best home insurance in Florida is?

The answer depends on your property—and we’re here to help you find the right fit. Let’s walk through the options. Here’s your no-stress guide to picking the perfect policy in the Sunshine State.

Premier (HO5) – For the “dream home” crowd – You’re living large. Think coastal views, luxury finishes, and a kitchen Gordon Ramsay would be proud of. Our Premier HO5 policy is rare in Florida and offers broader protection tailored for high-value homes that need more.
Signature+ (HO3) – Our flagship fan favorite – This one’s like the golden retriever of our product lineup—reliable, well-liked, and great with families. Signature+ HO3 was co-designed with Florida agents and is our most popular pick. You’ll get competitive rates, expanded coverage, a disappearing deductible, and discounts for military and first responders.
Dwelling Fire Basic (DF1) – Budget-friendly for basic needs – Got a seasonal home or short-term rental that just needs the basics? Our Dwelling Fire Basic policy has your back with cost-effective protection and customizable options.
Dwelling Flex (DF3) – For second homes or more coverage – Need more than the basics? Dwelling Flex is perfect for your rental or second home and comes with replacement cost coverage and optional add-ons. A smart step up for savvy property owners.

Are you a landlord with multiple properties, wondering what insurance company to use in Florida? Many choose Security First for our flexible landlord options and Florida-specific expertise.
Condo Insurance (HO6) – Cover your slice of the sky – Just bought a condo in Tampa or Miami? We cover the interior and your personal property, with limits up to $500K and an optional open peril policy—something your HOA doesn’t include.
Renters Insurance (HO4) – Big peace of mind, small price tag – Renting a cozy apartment? You still need protection from fire, theft, and liability mishaps. Our HO4 renters policy is affordable, replacement-cost based, and offers lifestyle-based add-ons.
Landlord Flex (DF3) – Investor-minded coverage – Own a few rental properties or jumping into the investment game? Our Landlord Flex policy provides protection for damage, liability, and loss of rent—with endorsements available for even broader protection. It’s like a business plan…with a safety net.

If you’re searching “I’m a landlord with multiple properties—what insurance company should I use in Florida?” — you’ve just found your answer.

Whether you’re a homeowner, renter, investor, or vacation property dreamer, Security First Insurance makes it simple, reliable, and built just for Florida.

Why Choose Security First Insurance?

Florida-focused: 20+ years serving Florida homeowners through storms, surges, and sunny days.
Innovative products: Designed with feedback from Florida agents and customers.
Storm-ready services: Access to our First Choice Repair Network® helps you recover quickly after a storm.
Customer-first tech: Easy online account access, policy management, and claims filing.