Security First Insurance Expands Dwelling Fire Coverage and Reduces Rates 16% for Florida Landlords
Product enhancements expand eligibility, deliver lower rates, and reward responsible property ownership statewide.
Security First Insurance today announced major enhancements to its Dwelling Landlord (DF3-DL) insurance product, including an average statewide rate decrease of 16% for new business and renewals effective April 13, 2026. These changes are expected to positively impact 17,803 Florida landlords statewide, offering broader eligibility, more flexible coverage options, and incentives for responsible property ownership.
These enhancements are designed specifically for Florida risks and reflect how rental properties are owned, managed, and insured across the state, while maintaining the underwriting discipline required in Florida’s challenging insurance market.
Security First’s short-term rental eligibility has been updated to allow minimum rental terms of two nights and three days, which better reflects Florida’s active rental market. The Company has also expanded DF3-DL capacity, more closely mirroring its Signature+ HO3 and Premier HO5 products, creating additional coverage options for coastal Florida properties. However, some areas of Southern Florida remain closed for wind coverage.
Additional enhancements include:
- Disappearing deductible, reducing All Other Perils (AOP) and Water (WTR) deductibles by 20% for each consecutive claims-free year, compounding annually. Eligible customers will automatically receive an additional 20% decrease upon renewal to reward claims-free ownership.
- New discounts for military and first responders, smoke detectors, multi-home and multi-policy customers, and water leak detection systems
- Expanded Limited Water Damage coverage, with selectable limits of $10,000, $15,000, $20,000, $30,000, $40,000, or $50,000, with higher limits subject to standard underwriting eligibility
Florida landlords can contact their insurance agent or Security First Insurance to learn more about qualifying discounts, eligibility requirements, and available Dwelling Landlord (DF3-DL) capacity.
“These enhancements are another example of how Security First is bringing solutions and lower rates to Floridians,” said Melissa Burt DeVriese, president of Security First Insurance. “Offering a wide variety of products, backed by superior customer service, gives us the flexibility to reward responsible ownership and expand coverage opportunities.”
Security First offers one of the most diverse residential property insurance portfolios in Florida, enabling the company to insure approximately 95% of Florida homes. This breadth allows Security First to serve Florida landlords across a wide range of property types and risk profiles, providing stability, choice, and dependable service in a complex insurance market.
Florida homeowners and property owners can learn more about Security First Insurance’s Dwelling Landlord (DF3-DL) coverage options by visiting SecurityFirstFlorida.com or by contacting their insurance agent.
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