Homeowners

Our Coverage Options

Premier Home

Insurance Coverage

Learn More

Signature Home

Insurance Coverage

Learn More

Dwelling Basic

Insurance Coverage

Learn More

Dwelling Flex

Insurance Coverage

Learn More

Condo

Insurance Coverage

Learn More

Optional Add-Ons

Scheduled Personal Property
Identity Theft Protection & Monitoring
Golf Cart Physical Damage and Liability
Hurricane Screened Enclosures & Carport
Dog Liability

What it Means to be #1

Our dedication to being Florida’s preferred homeowners insurance company means we offer more than just basic coverage. Our policies include additional features such as wind mitigation discounts, equipment breakdown coverage, and identity theft protection. By partnering with our in-house First Choice Repair Network, we ensure timely and efficient repairs when you need them the most. Explore our range of homeowners insurance options today and discover why Security First Insurance is ranked #1 for hurricane protection in Florida. Get a quote now and experience the unparalleled service and security that comes with choosing a trusted, local provider.

At Security First Insurance, we understand the unique challenges Florida homeowners face. Our comprehensive homeowners insurance policies are designed to provide robust protection against the unpredictable weather and natural disasters that are common in the Sunshine State. From hurricanes to tropical storms, our coverage ensures that your home and belongings are safeguarded. With flexible options tailored to meet your specific needs, we offer peace of mind knowing that your property is secure. Whether you’re a first-time homeowner or a seasoned resident, our Florida homeowners insurance plans are built to provide stability and financial strength, keeping you protected year after year.

Kudos From Our Customers

“An insurance company that actually cares about its customers. A true unicorn in the insurance industry. After hurricane Matthew, while other insurance companies were praying their phone’s didn’t ring, Security First was calling every single customer in the affected area and asking if they can help. True compassion.”

– Kenneth from Port Orange Florida

It’s so encouraging to see those that care about their customers and their clients here, trying to help them get a claim started and get their lives back in order.

Senator Boyd Bradenton

I’ve been with Security First for about 10 years. I’m very happy with how the process is moving forward.

Juana Tampa

By that morning, I already had my claims number, they were already working on people to send out to take care of the tree, tarping the house, and getting an inspector … It’s been a real dream to work with them.

Rodger St. Petersburg

I wouldn’t use anyone else, honestly. It’s been a life-changing experience in terms of insurance.

Darren Bradenton

They contacted us before the storm and after the storm to make sure that we were ok and had a place to go. We’ve recommended them to other people.

Addisons Steinhatchee

I can’t say enough about Security First Insurance. We have friends and family with other companies, and I don’t think they’ve had what we’ve had through every storm, and that means the world.

Brittany Perry

This is our third hurricane in 13 months, and Security First Insurance has been our homeowner’s insurance through all of them. I’ve had a really good experience.

Dana Perry

I have the best insurance company in the state. I know I do. Security First has been a delight to work with. They’re simply the best.

Barbara Tallahassee

I barely even have time to think about it, and I’m getting another contact from Security First about the next step in the process.

Madalyn Tallahassee

Security First has always come through. There’s security in Security First.

Evelyn Tallahassee

You hear a lot of nightmares with insurance companies, but this was not one of them. Thank you Security First.

Bob Tallahassee

I was shocked how quickly Security First reached out. So very happy we picked Security First for our home insurance.

Karin Tallahassee

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

Premier (HO5)

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

$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)

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

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)

Dwelling Basic (DF1)

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

$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

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

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

Resources For Homeowners

Five Ways to Prepare Kids for Hurricanes

Family

Dog Liability – Is It Really Necessary?

Don’t Get Caught in a Whirlwind – Prepare Now for Hurricanes!

A Simple Guide: Florida Renters Insurance

Dog Liability – Is It Really Necessary?

Don’t Get Caught in a Whirlwind – Prepare Now for Hurricanes!

A Simple Guide: Florida Renters Insurance

Safeguard Your Florida Lifestyle with Our Coverage

Our Coverage Options

Premier Home

Signature Home

Dwelling Basic

Dwelling Flex

Condo

Optional Add-Ons

What it Means to be #1

Kudos From Our Customers

Compare Our Plans

Resources For Homeowners

Five Ways to Prepare Kids for Hurricanes

Four Hurricane Hacks

5 Ways to Protect Your Home from Theft

Your Guide to Buying Home Insurance in Florida