Finding the Right Florida Home Insurance

We offer seven insurance options for every type of home ownership

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’s the best home insurance in Florida?

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.

1. 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.
2. 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.
3. Dwelling 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.
4. Dwelling Owner (DF3-DO) – For second homes or more coverage
   Need more than the basics? The Dwelling Owner policy is perfect for your rental or second home and includes 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.
5. 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.
6. 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.
7. Dwelling Landlord (DF3-DL) – Investor-minded coverage
   Own a few rental properties or jumping into the investment game? Our Dwelling Landlord 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 dreaming about your next property, Security First Insurance has coverage designed to match how you live.

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.

Seven policies. One trusted Florida insurance company. Now that’s lucky!

Still Not Sure Which Policy Fits You?

That’s what we’re here for. Get a fast, free quote and let’s match your property with the right protection.

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