Security First Home Insurance Review

Products and Packages

Security First Insurance Products and Packages

Coverage Options Built for Florida Homes (and Their Unique Risks)

Security First doesn’t try to be everything to everyone—they’re laser-focused on protecting Florida homes. Their lineup of policies covers everything from basic structure protection to comprehensive packages for high-value homes, condos, and rentals. Whether you own, rent, or lease out a property, there’s likely a package here that fits your situation.

Standard and Enhanced Homeowners Insurance

• Premier Homeowners Insurance: Their most comprehensive package. Ideal for high-value homes and owners who want higher coverage limits, better protection for valuables, and fewer coverage gaps.
• Signature Homeowners Insurance: A solid mid-tier option offering broad protection at a lower price. Good for most homeowners looking for coverage without too many bells and whistles.
• Dwelling Basic & Dwelling Flex: Focuses on structural coverage only. Flex adds a bit more customization. Both are useful for older or lower-value homes where you need less extensive protection.

Specialized Options for Florida Living

• Condo Insurance: Tailored to fill the gaps left by your condo association’s master policy—especially personal property and interior build-out protection.
• Renters Insurance: Covers your belongings and personal liability. A must-have for apartment dwellers or those in short-term leases.
• Landlord Flex Insurance: Coverage for rental properties, including dwelling protection and liability tied to rental activity. Designed to be flexible based on the property type.

Add-Ons & Unique Protections

• Equipment Breakdown: Covers HVACs, water heaters, fridges, and other major systems if they break down—not just if they're damaged.
• Service Line Coverage: Pays to repair underground pipes like water and sewer lines—often excluded by default in standard policies.
• ID Protection: Offers monitoring and support services for identity theft and fraud—a growing risk in the digital age.

Security First’s menu of coverage types is one of its biggest strengths. You won’t get auto or commercial insurance here, but for Florida homes? It’s one of the more complete offerings available.

Pricing & Premiums

Security First Premiums

Budget-Friendly Coverage with a Florida-Focused Twist

If price is a top concern—and let’s be honest, it usually is—Security First makes a strong case. With an average annual premium of just $721, they consistently rank among the most affordable insurers in Florida. That’s several hundred dollars below the state average, which hovers well over $1,200 depending on where you live.

Security First’s pricing reflects its Florida-first model. The company is selective in what it insures, but that allows it to keep rates competitive—especially for homes with newer roofs, good maintenance records, or wind-mitigation features.

Why It's So Affordable:

• Focused underwriting: Tailors risk models specifically to Florida, avoiding the inflated premiums of national carriers.
• Home feature discounts: Newer roofs, hurricane shutters, water sensors—all can reduce your cost.
• No bundling pressure: Because they don’t sell auto or umbrella, you’re not paying extra for package deals you don’t need.

That said, affordability can vary by region and risk profile. Homes in high-risk coastal areas may still face higher premiums. And while rates are low, coverage caps on base policies can leave high-value homes a bit underinsured unless you upgrade.

Still, if your goal is to stretch every dollar while securing storm-ready protection, Security First’s pricing puts them firmly in the “worth a quote” category.

Discounts and Credits

Security First Insurance Discounts and Credits

Stackable Savings That Actually Make a Difference

Security First doesn’t just offer low base premiums—they layer in a wide range of discounts to drive prices even lower. Whether you’re installing storm shutters, opting for paperless billing, or just living in a gated community, chances are there’s a discount you can claim.

Available Discounts Include:

• Age 55+ Discount: Automatically applies for policyholders aged 55 and older—based on lower statistical risk.
• New Home Discount: Significant savings for homes built recently, especially those meeting newer building codes.
• Secured Community Discount: Live in a gated community or a neighborhood with controlled access? That’s worth a break.
• Wind Mitigation Discount: Florida’s most powerful savings lever. Roof tie-downs, impact windows, and other wind-resistant features can slash premiums.
• Roof Shape & Material Credit: Homes with hip roofs or stronger materials often see lower costs.
• Water Leak Detection System: A smart way to prevent costly water damage—and save money on your policy.
• Fire and Burglar Alarms: Central-monitored systems bring peace of mind and premium savings.
• Paperless Billing: Go digital and Security First rewards you with a small but easy-to-earn discount.

Not every home qualifies for every discount—but many homeowners can stack several of these and see real savings. If you’re not sure what applies to your home, that’s where an independent agent like Worth Insurance can step in and help you unlock the best deal.

Eligibility & Underwriting Requirements

Security First Insurance Eligibility & Underwriting Requirements

What It Takes to Qualify with Security First

Security First insures a wide variety of Florida homes—but they do have criteria to ensure properties meet safety and insurability standards. Their underwriting isn’t unusually strict, but like many Florida carriers, they place strong emphasis on storm preparedness and maintenance.

If you’ve got an older home or live in a high-risk area, you may be asked for additional inspections or documentation. On the plus side, they’re fairly transparent about what they’re looking for—and why.

What Security First Typically Requires:

• Home Inspections: Often requested for older homes, high-risk areas, or when coverage limits are increased.
• Credit Check: A good credit score can improve eligibility and premium pricing.
• Wind Mitigation Features: Required for maximum discounts and sometimes to qualify in storm-prone areas.
• Home Condition: Proper maintenance is key—no old wiring, damaged roofs, or leaky plumbing.
• Safety Installations: Smoke detectors, water shutoff devices, and central alarms are all big pluses.

Commonly Requested Documents:

• Proof of ownership (e.g., deed or mortgage statement)
• Recent home inspection or wind mitigation report
• Insurance history (past policies and claims)
• Financial documentation (credit or income verification)
• Government-issued ID

The underwriting process is relatively smooth if your home is well-kept and your paperwork is in order. And if it’s not? Worth Insurance can help you understand what improvements to make—or explore other carriers if needed.

Application Process

Security First Application Process

Getting Covered Is Straightforward—If You’re Prepared

Applying for a Security First policy isn’t complicated, but there are a few steps you’ll need to walk through. The company asks for detailed home info upfront to make sure you’re getting the right kind of protection at the right price. A quick inspection may follow, especially if your home is older or in a coastal zone.

Security First leans into digital tools to speed things up, but it’s not a fully hands-off process—especially if your property has any quirks.

What to Expect:

1. Initial Application: Provide property details, personal info, and current coverage (if any).
2. Eligibility Check: The system assesses if your home fits their risk profile.
3. Inspection (if needed): Often required for homes over a certain age, or to qualify for wind mitigation discounts.
4. Policy Customization: Choose your limits, add optional coverages (like equipment breakdown or ID protection), and apply discounts.
5. Final Review & Payment: Once everything’s approved, you’ll receive final pricing and documents to sign.

It’s not quite “instant quote” fast—but it’s efficient if you’ve got your documents ready. And if you'd rather not go it alone, Worth Insurance can walk you through the whole thing, from application to approval.

Customer Reviews & Service

Security First Customer Service

Reliable Coverage, But Service Can Be Hit-or-Miss

Security First gets a lot right—but customer service reviews are mixed. Many homeowners appreciate the affordability and Florida-focused coverage, but others report frustration with delayed responses, particularly after storms when claims volume surges.

That’s not unusual for a regional carrier in a hurricane-prone state, but it’s something to keep in mind if rapid communication is important to you.

Google Rating: 4.0

The Good:

• Easy-to-use mobile app and online portal
• 24/7 claims filing hotline
• Friendly reps when reachable

The Not-So-Great:

• Delays in communication during peak season
• Some complaints about follow-up during claims
• A few reviews mention difficulty resolving complex issues

Contacting Security First:

• General Service: (877) 333-9992 | Mon–Fri, 8:00am–7:00pm; Sat, 8:00am–4:30pm ET
• Claims: (877) 581-4862 | Available 24/7
• Email:
  • General: AgentAdmin@SecurityFirstFlorida.com
  • Report fraud: ReportFraud@SecurityFirstFlorida.com
• Mailing Address: Varies by policy type; see their site or your documents for specifics

If service quality is a major concern, working with an independent agency like Worth Insurance can help. We act as an advocate when you need answers fast—and we’ll handle the follow-up if you ever hit a wall.

How to Make a Payment

How to Make a Payment to Security First Insurance

Multiple Ways to Pay—Choose What Works Best for You

Security First makes it relatively easy to pay your premium, offering several methods depending on how hands-on (or hands-off) you want to be. Whether you prefer logging in, tapping through an app, or mailing a check, they’ve got you covered.

Payment Options:

1. Online Portal: Log into your account on the Security First website to manage payments, set up autopay, or review billing history.
2. Express Pay: Don’t want to create an account? Use your policy number and ZIP code to make a one-time payment—no login required.
3. Mobile App: The Security First app (iOS and Android) lets you pay from your phone and access your digital policy on the go.
4. By Phone: Call (877) 333-9992 during business hours to make a payment with a representative.
5. By Mail: Mail checks to PO Box 628336, Orlando, FL 32862-8336. For overnight payments, use Lockbox 628336, 7699 Golf Channel Dr, Orlando, FL 32819.

Security First doesn’t charge payment processing fees in most cases, and monthly installment plans are typically available depending on your policy structure. If you need help setting up payments—or want to compare your billing options—Worth Insurance can step in and simplify things for you.

How to File a Claim

How to File a Claim with Security First Insurance

Fast, Flexible Claim Filing When You Need It Most

When disaster strikes, the last thing you want is a confusing claims process. Thankfully, Security First offers multiple ways to report a claim—most of which can be handled quickly online or through their mobile app.

The process is designed to be as low-stress as possible, especially in the chaos following hurricanes or major storms. That said, responsiveness can vary depending on claim volume, so having your documentation ready can make a big difference.

Four Ways to File a Claim:

1. By Phone: Call (877) 581-4862 anytime—claims support is available 24/7.
2. Online Portal: Log in and submit a claim with photos and notes. Great for non-urgent claims or if you want to track progress digitally.
3. Mobile App: Snap photos, upload documents, and file directly from your phone.
4. Text: Text “Claim” to (386) 251-2066 during business hours (Mon–Fri, 8am–5pm ET).

Once your claim is filed, you’ll be assigned a Claims Examiner, who will guide you through next steps. If you’re unsure what’s covered or need help advocating for your claim, Worth Insurance can offer hands-on support to help navigate the process.

Key Competitors

Key Competitors

How Security First Compares to Other Florida Home Insurers

In a market where many national carriers have scaled back or left entirely, regional players like Security First have become even more important. But they’re not alone. Other Florida-based insurers like People’s Trust, Florida Peninsula, and Frontline each bring their own strengths—and tradeoffs—to the table.

So how does Security First stack up? Here’s a side-by-side look at the landscape.

• People’s Trust – More streamlined claims, but less control during repairs
• Florida Peninsula – Strong customer service and agent network
• Frontline Insurance – Premium option for coastal and luxury homes
• FedNat – Once a contender, now a cautionary tale due to financial instability

Security First sits in the middle of Florida’s increasingly competitive—and at times chaotic—home insurance market. It’s not the cheapest for everyone, nor the most customizable, but it does a solid job balancing price, hurricane protection, and broad availability for average homeowners. Compared to competitors like People’s Trust, Florida Peninsula, and Frontline Insurance, it holds its own in most of the categories that matter.

People’s Trust, for instance, is often praised for its rapid claims process thanks to its managed repair model. But that same system can feel restrictive if you prefer to choose your own contractors. Security First, in contrast, gives you more autonomy—even if it means a bit more legwork during the claims process.

Florida Peninsula tends to focus more on service and personalization. Their agent network is strong, and their policies offer a wide array of endorsements. However, that flexibility often comes with a higher premium. Security First is more budget-conscious, and for many Florida homeowners, the price gap is enough to tip the scale.

Then there’s Frontline, a carrier that caters especially well to coastal or higher-value properties. They offer excellent customer service and refined coverage options—but again, often at a premium price. If your home is in a higher price bracket or in a high-risk flood zone, Frontline may give you more tailored protection, but Security First is often more approachable for standard homes.

As for FedNat, they were once a competitor in this space, but recent financial instability has left their future in question. Compared to that, Security First’s consistent “A” rating from Demotech makes them a much safer bet in today’s volatile market.

Overall, Security First may not be the flashiest carrier, but it hits the mark on core needs: affordability, hurricane resilience, and flexibility—especially for Florida homeowners looking to strike the right balance without overpaying.

Conclusion

Is Security First the Right Fit for Your Florida Home?

Florida’s insurance market isn’t easy. Between rising premiums, shrinking coverage options, and the constant threat of hurricanes, homeowners here face some of the toughest decisions in the country. Security First doesn’t solve every problem—but it offers a genuinely solid option for many Floridians looking for affordable, hurricane-ready coverage.

With a strong financial rating, competitive premiums, and a wide array of policy options, it’s easy to see why over 130,000 homeowners have trusted them. If you’re comfortable with a digital-first experience and can tolerate the occasional customer service hiccup, Security First is a dependable pick. It’s not flashy, but it gets the job done—and in this market, that’s no small thing.

Still unsure? That’s what we’re here for. At Worth Insurance, we specialize in helping Florida homeowners compare multiple carriers side-by-side. We’ll walk you through your coverage needs, uncover all applicable discounts, and match you with the right policy—whether it’s with Security First or someone else. Get started with a free quote today, and let’s find the right fit for your home.