It’s natural to have questions when your homeowners insurance changes. Security First Insurance has assumed your policy through the Citizens Depopulation Program. Learn more about what to expect and next steps.
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4.5 Rating on Google
as of 8/26/26
Since 2005, Security First has been protecting Florida homes and delivering on our promise to be here storm after storm, year after year®. Our longstanding financial stability gives you confidence that we have the resources to be there when you need us.
We have maintained an “A” (Exceptional) Financial Stability Rating® from Demotech and secured more than $1.4 billion in reinsurance to help protect our customers and support our ability to pay covered claims.
Financial strength is only part of our story. Our experienced claims team and First Choice Repair Network® are ready to help when the unexpected happens so you can get on the road to recovery as quickly as possible.
And with more than 380 team members, we have the people and experience to deliver on our promise to be here for Floridians.
The Citizens Depopulation Program helps move eligible policies from Citizens to private insurance companies approved by the Florida Office of Insurance Regulation.
The Citizens Depopulation Program helps reduce Citizens’ policy count and overall exposure by moving eligible policies into the private market. This supports a stronger Florida insurance market and can lower the risk of additional Citizens assessments following a major deficit.
Private insurers may also offer coverage options that are not available through Citizens.
Here are your options:
Note: If you receive an offer of coverage from the private market that is within 20% of your Citizen’s renewal premium, you will not be eligible to remain with Citizens when your policy expires – you will have to find coverage in the private market (from Security First or another carrier).
Keep in mind you could receive additional assumption offers in the future if you remain with Citizens because their goal is to help their policyholders find coverage in the private market.
Absolutely! Since opening our doors in 2005, we have earned and maintained a Demotech Financial Stability Rating of “A” (Exceptional).
We have $1.48 billion in reinsurance (insurance for insurance companies) to pay claims for multiple storms in a single year and $125 million in surplus, exceeding all regulatory and rating agency requirements. This ensures that we are able to deliver on our promise to be here for you storm after storm, year after year®.
No. Security First Insurance will notify your mortgage company and provide all required information. If your mortgage company pays your insurance premium, Security First Insurance will send your invoice to your mortgage company for payment.
Your insurance documents will come directly from Security First Insurance at renewal.
Payments should be made with Citizens until your policy renewal date. Once you receive your renewal packet from Security First Insurance, payments can be made online or through your agent.
If your loss occurred on or after 12:01 a.m. on November 17, 2026 (the assumption date): call Security First Insurance at 877-333-9992 to report your claim.
If your loss occurred before 12:01 a.m. on November 17, 2026: Call Citizens at 866-411-2742, or report your claim online at citizensfla.com/mypolicy.
We have purchased enough reinsurance to cover a single large event—more than 4 times the cost to the Company if Hurricane Irma or Ian were to make landfall today.
Total reinsurance coverage purchased for multiple events
Reinsurance available to pay claims for a single large event
Surplus to cover retention
Our dedicated team of professionals is ready to assist you with any inquiries related to our insurance products, claims, billing, or general information.
We’re committed to ensuring that you have a positive experience when interacting with us.