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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 90% 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.

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Signature+ Homeowners Insurance (HO3)


Discover our redesigned coverage optimized for Florida homeowners.

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Dwelling Basic (DF-1)

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Dwelling Flex (DF3-DO)

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Condo Insurance (HO6)

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Renters

Renters Insurance (HO4)


Secure peace of mind for life’s unexpected moments.

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Landlords

Dwelling Basic (DF1)


Pay only for the essentials you need to protect.

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Landlord Flex (DF3-DL)


Shield various aspects of your investment property.

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At Security First, We Put You First

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 90% of Florida homes. Location restrictions may apply.

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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.

Exceptional Customer Service

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.

Insurance Agent Explaining Policy Details and Coverage to Clients in a Bright Modern Office Setting with Brochures and Documents Spread Out on the Desk

Optional Coverage Options

Equipment Breakdown

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Equipment Breakdown

Identity Theft Protection

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Identity Theft Protection

Service Line

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Compare Our Plans

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 – $2,000,000 *$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 2% – 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% – 10% of Coverage A

Great for

Primary Residence

Coverage A

$500,000 – $2,500,000 *$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 2% – 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-$1,000,000 *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 | 2% – 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-$1,000,000 *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 | 2% – 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 | $5,000 | 2% – 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 – $2,000,000 *$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 2% – 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% – 10% of Coverage A

Great for

Primary Residence

Coverage A

$500,000 – $2,500,000 *$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 2% – 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-$1,000,000 *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 | 2% – 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-$1,000,000 *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 | 2% – 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 | $5,000 | 2% – 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)