Safeguard Your Florida Lifestyle with Our Coverage
Insurance Options for Everyone
Because no two properties are the same, we have options as unique as you! Security First Insurance is able to quote 95% of Florida homes, so chances are we certainly have a policy that will fit your property and your budget.
Homeowners
Premier Homeowners Insurance (HO5)
Elevate your protection with our top-tier policy for high-value homes.
As a Florida-based company established in 2005, we understand the needs of Floridians. So much so, that we have been name Top Choice for Hurricane Protection in Florida by MarketWatch Guides for four consecutive years!
Serving particularly the Florida market, your premium dollars stay here, in Florida, to pay Florida claims. By doing so, we’re able to foster strong partnerships with local vendors and additionally provide the best possible insurance solutions for our customers.
Unmatched Coverage Options
We have options and chances are we have a policy that will fit your property and your budget. We can quote 95% of Florida homes. Location restrictions may apply.
Exceptional Customer Service
Our team of dedicated insurance professionals is here for you every step of the way. From selecting the right policy, to handling claims efficiently and effectively, we have you, and your property, covered.
Financial Stability and Peace of Mind
We have built a reputation for reliability and stability, ensuring that your insurance coverage remains secure even in challenging times.
Choosing the right coverage can be overwhelming with so many options available. Use the chart below to compare our most popular policies and find the one that fits your needs.
Coverage A
Equipment Breakdown Coverage
Service Line Coverage
Personal Property with Replacement Cost
Sinkhole (Optional)
Limited Water Damage
Hurricane Deductible
All Other Peril Deductible
Water Deductible
Roof Deductible
Great for
Signature+ (HO3)
Signature+ (HO3)
Premier (HO5)
Landlord Flex (DF3-DL)
Condo (HO6)
Dwelling Flex (DF3-DO)
Dwelling Basic (DF1)
Coverage A
$200,000 – $5,000,000 *$250,000 minimum Coverage A in Polk and Sarasota counties and $300,000 minimum Coverage A in Broward, Miami-Dade, Orange, Osceola, Palm Beach, and Seminole counties.
Equipment Breakdown Coverage
Optional
Service Line Coverage
Optional
Personal Property with Replacement Cost
Available
Sinkhole (Optional)
Available
Limited Water Damage
Homes Over 40, Built After 1975
Hurricane Deductible
$500 | $1,000 | $2,500 | 1%, 2%, 3%, 5%, or 10% of Coverage A
All Other Peril Deductible
$500 | $1,000 | $2,500 | $5,000
Water Deductible
$500 | $1,000 | $2,500 | $5,000
Roof Deductible
$1,000 | $2,500 | 2% of Coverage A
Great for
Primary Residence
Coverage A
$500,000 – $5,000,000 *$400,000 minimum for homes 5 years and newer (Miami-Dade, Broward, Palm Beach, and Hillsborough counties excluded).
Equipment Breakdown Coverage
Included
Service Line Coverage
Included
Personal Property with Replacement Cost
Available
Sinkhole (Optional)
Available
Limited Water Damage
Homes Over 40, built after 1975
Hurricane Deductible
$500 | $1,000 | $2,500 | 1%, 2%, 3%, 5%, or 10% of Coverage A
All Other Peril Deductible
$500 | $1,000 | $2,500 | $5,000
Water Deductible
$500 | $1,000 | $2,500 | $5,000
Roof Deductible
$1,000 | $2,500 | 2% of Coverage A
Great for
High Value Homes
Coverage A
$125,000-$5,000,000 *DF3-DL New Business Requirement $150,000 minimum Coverage A in Broward, Miami-Dade, Orange, Osceola, Palm Beach, and Seminole counties.
Equipment Breakdown Coverage
Optional
Service Line Coverage
Optional
Personal Property with Replacement Cost
Not Applicable
Sinkhole (Optional)
Available
Limited Water Damage
Homes over 30 years, built after 1975
Hurricane Deductible
$500 | $1,000 | $2,500 | 1%, 2%, 3%, 5%, or 10% of Coverage A
All Other Peril Deductible
$500 | $1,000 | $2,500 | $5,000
Water Deductible
$500 | $1,000 | $2,500 | $5,000
Roof Deductible
$1,000 | $2,500 | 2% of Coverage A
Great for
Open Foundation, Long-term and short-term rentals‡ (DF3-DL only), Airbnb‡, VRBO‡ (DF3-DL only), Homes with shingle roof age up to 20 years, Homes with metal/tile roof age up to 35 years. Condotels excluded.
‡ Four-night minimum required (DF3-DL)
Coverage A
$30,000 – $500,000
Equipment Breakdown Coverage
Optional
Service Line Coverage
Optional
Personal Property with Replacement Cost
Available
Sinkhole (Optional)
Available
Limited Water Damage
Homes over 40 and less than 51 years
Hurricane Deductible
$500 | $1,000 | $2,500 | $5,000
All Other Peril Deductible
$500 | $1,000 | $2,500 | $5,000
Water Deductible
$500 | $1,000 | $2,500 | $5,000
Roof Deductible
Not Applicable
Great for
Condo/Homes with no prior insurance, LLC or Trusts, Long-term and Shortterm rentals†, Airbnb†, and VRBO†.Condotels excluded.
† Two-night minimum required (HO6, DF1)
Coverage A
$125,000-$5,000,000 *DF3-DL New Business Requirement $150,000 minimum Coverage A in Broward, Miami-Dade, Orange, Osceola, Palm Beach, and Seminole counties.
Equipment Breakdown Coverage
Optional
Service Line Coverage
Optional
Personal Property with Replacement Cost
Available
Sinkhole (Optional)
Available
Limited Water Damage
Homes over 30 years, built after 1975
Hurricane Deductible
$500 | $1,000 | $2,500 | 1%, 2%, 3%, 5%, or 10% of Coverage A
All Other Peril Deductible
$500 | $1,000 | $2,500 | $5,000
Water Deductible
$500 | $1,000 | $2,500 | $5,000
Roof Deductible
$1,000 | $2,500 | 2% of Coverage A
Great for
Open Foundation, Airbnb‡, Homes with shingle roof age up to 20 years, Homes with metal/tile roof age up to 35 years. Condotels excluded.
‡ Four-night minimum required (DF3-DL)
Coverage A
$50,000 – $1,000,000
Equipment Breakdown Coverage
Optional
Service Line Coverage
Optional
Personal Property with Replacement Cost
Not Applicable
Sinkhole (Optional)
Available
Limited Water Damage
Homes less than 10 years
Hurricane Deductible
$500 | $1,000 | $2,500 | 1%, 2%, 3%, 5%, or 10% of Coverage A
All Other Peril Deductible
$500 | $1,000 | $2,500 | $5,000
Water Deductible
Not Applicable
Roof Deductible
Not Applicable
Great for
Open Foundation, Vacant Homes, Tiny Homes affixed to the ground, Homes with no prior insurance, LLC or Trusts, Long-term and Short-term rentals†, Airbnb†, and VRBO†. Condotels excluded.
† Two-night minimum required (HO6, DF1)
Premier (HO5)
Signature+ (HO3)
Premier (HO5)
Landlord Flex (DF3-DL)
Condo (HO6)
Dwelling Flex (DF3-DO)
Dwelling Basic (DF1)
Coverage A
$200,000 – $5,000,000 *$250,000 minimum Coverage A in Polk and Sarasota counties and $300,000 minimum Coverage A in Broward, Miami-Dade, Orange, Osceola, Palm Beach, and Seminole counties.
Equipment Breakdown Coverage
Optional
Service Line Coverage
Optional
Personal Property with Replacement Cost
Available
Sinkhole (Optional)
Available
Limited Water Damage
Homes Over 40, Built After 1975
Hurricane Deductible
$500 | $1,000 | $2,500 | 1%, 2%, 3%, 5%, or 10% of Coverage A
All Other Peril Deductible
$500 | $1,000 | $2,500 | $5,000
Water Deductible
$500 | $1,000 | $2,500 | $5,000
Roof Deductible
$1,000 | $2,500 | 2% of Coverage A
Great for
Primary Residence
Coverage A
$500,000 – $5,000,000 *$400,000 minimum for homes 5 years and newer (Miami-Dade, Broward, Palm Beach, and Hillsborough counties excluded).
Equipment Breakdown Coverage
Included
Service Line Coverage
Included
Personal Property with Replacement Cost
Available
Sinkhole (Optional)
Available
Limited Water Damage
Homes Over 40, built after 1975
Hurricane Deductible
$500 | $1,000 | $2,500 | 1%, 2%, 3%, 5%, or 10% of Coverage A
All Other Peril Deductible
$500 | $1,000 | $2,500 | $5,000
Water Deductible
$500 | $1,000 | $2,500 | $5,000
Roof Deductible
$1,000 | $2,500 | 2% of Coverage A
Great for
High Value Homes
Coverage A
$125,000-$5,000,000 *DF3-DL New Business Requirement $150,000 minimum Coverage A in Broward, Miami-Dade, Orange, Osceola, Palm Beach, and Seminole counties.
Equipment Breakdown Coverage
Optional
Service Line Coverage
Optional
Personal Property with Replacement Cost
Not Applicable
Sinkhole (Optional)
Available
Limited Water Damage
Homes over 30 years, built after 1975
Hurricane Deductible
$500 | $1,000 | $2,500 | 1%, 2%, 3%, 5%, or 10% of Coverage A
All Other Peril Deductible
$500 | $1,000 | $2,500 | $5,000
Water Deductible
$500 | $1,000 | $2,500 | $5,000
Roof Deductible
$1,000 | $2,500 | 2% of Coverage A
Great for
Open Foundation, Long-term and short-term rentals‡ (DF3-DL only), Airbnb‡, VRBO‡ (DF3-DL only), Homes with shingle roof age up to 20 years, Homes with metal/tile roof age up to 35 years. Condotels excluded.
‡ Four-night minimum required (DF3-DL)
Coverage A
$30,000 – $500,000
Equipment Breakdown Coverage
Optional
Service Line Coverage
Optional
Personal Property with Replacement Cost
Available
Sinkhole (Optional)
Available
Limited Water Damage
Homes over 40 and less than 51 years
Hurricane Deductible
$500 | $1,000 | $2,500 | $5,000
All Other Peril Deductible
$500 | $1,000 | $2,500 | $5,000
Water Deductible
$500 | $1,000 | $2,500 | $5,000
Roof Deductible
Not Applicable
Great for
Condo/Homes with no prior insurance, LLC or Trusts, Long-term and Shortterm rentals†, Airbnb†, and VRBO†.Condotels excluded.
† Two-night minimum required (HO6, DF1)
Coverage A
$125,000-$5,000,000 *DF3-DL New Business Requirement $150,000 minimum Coverage A in Broward, Miami-Dade, Orange, Osceola, Palm Beach, and Seminole counties.
Equipment Breakdown Coverage
Optional
Service Line Coverage
Optional
Personal Property with Replacement Cost
Available
Sinkhole (Optional)
Available
Limited Water Damage
Homes over 30 years, built after 1975
Hurricane Deductible
$500 | $1,000 | $2,500 | 1%, 2%, 3%, 5%, or 10% of Coverage A
All Other Peril Deductible
$500 | $1,000 | $2,500 | $5,000
Water Deductible
$500 | $1,000 | $2,500 | $5,000
Roof Deductible
$1,000 | $2,500 | 2% of Coverage A
Great for
Open Foundation, Airbnb‡, Homes with shingle roof age up to 20 years, Homes with metal/tile roof age up to 35 years. Condotels excluded.
‡ Four-night minimum required (DF3-DL)
Coverage A
$50,000 – $1,000,000
Equipment Breakdown Coverage
Optional
Service Line Coverage
Optional
Personal Property with Replacement Cost
Not Applicable
Sinkhole (Optional)
Available
Limited Water Damage
Homes less than 10 years
Hurricane Deductible
$500 | $1,000 | $2,500 | 1%, 2%, 3%, 5%, or 10% of Coverage A
All Other Peril Deductible
$500 | $1,000 | $2,500 | $5,000
Water Deductible
Not Applicable
Roof Deductible
Not Applicable
Great for
Open Foundation, Vacant Homes, Tiny Homes affixed to the ground, Homes with no prior insurance, LLC or Trusts, Long-term and Short-term rentals†, Airbnb†, and VRBO†. Condotels excluded.
† Two-night minimum required (HO6, DF1)
Whether you’ve found your fit or need a little guidance, you can get a quote tailored to your home. You’re always in control—and support is available if needed.
