Security First home insurance in Florida
NAIC #10117 · WWW.SECURITYFIRSTFLORIDA.COM
This page summarizes publicly available information about Security First and general questions to prepare before you ask for a quote. For Security First, start with the roof age and type. Then check the pipes, panel, wiring, and home use. Review past claims too. Keep proof of each update or repair. Security First requirements can change and must be confirmed for the current form, address, and effective date. Only the carrier can determine eligibility. Ask an appointed agent to check the latest guide for your home.
Active & FL-Licensed Since 2005
NAIC #10117
FEIN not yet verifiedFlorida Availability
Statewide license; regional opening-protection requirements may apply in South Florida
Citizens Relationship
Takeout activity reported
Property Types
Occupancy, rental use and vacancy are addressed by different forms and programs. No current public rule identified for each case; confirm the right form for your property’s actual use with an appointed agent
Unique Programs
1 identified
Where Security First Writes Coverage
Statewide; regional opening-protection requirements may apply in South Florida.
Availability can change by county and program. Confirm current openings with an agent.
Security First is listed under the Florida OIR record SECURITY FIRST INSURANCE COMPANY DBA SECURITY FIRST FLORIDA, with an active Florida license dating to April 2005. Availability is summarized as statewide; ask an agent which wind-mitigation or opening-protection requirements apply at your address. The carrier’s own public site describes its Citizens takeout role (see the sourced note below). Our Citizens Insurance guide explains how takeout eligibility works.
Key Takeaways
General Eligibility Considerations
What to confirm with Security First or an appointed agent
This profile provides public company information and a general checklist of factors to discuss before requesting a quote from Security First. It does not reproduce the carrier’s complete underwriting guide or determine whether a specific property or applicant will qualify. Current requirements may vary by program, policy form, county, property condition, applicant, and effective date. Confirm every eligibility question with Security First or a Florida-licensed agent appointed with the carrier.
Public Information
What public materials state about Security First
The entries below are limited to statements that appear in a linked public carrier document or public page. Each entry identifies the source and its date. A public statement may have changed since its source date or may apply only to a particular form, program, or territory.
Products
HO3 | Signature+ versus legacy Signature
Security First distinguishes its newer Signature+ HO3 product from legacy Signature HO3 and asks existing customers to consult an agent about a new quote. The two products' limits and underwriting information are separate.
Public source: Security First, Signature+ HO3 · undated live page · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
Coverage limits
HO3 | Signature+ only
The Signature+ page states a Coverage A range of $200,000 to $5,000,000, with higher minimums in certain counties. This is product-specific public information, not a guarantee of acceptance and not the legacy Signature limit.
Public source: Security First, Signature+ HO3 · undated live page · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
Deductible endorsement
HO3 | Signature+ only
The Signature+ page describes a disappearing-deductible endorsement that reduces AOP and water deductibles by 20% for each claims-free year, subject to its terms. It expressly does not reduce the hurricane deductible.
Public source: Security First, Signature+ HO3 · undated live page · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
Inspections
DF3-DO only; not HO3 | Dwelling Owner program
For DF3-DO, Security First announced removal of the proof-of-wind-mitigation-credit requirement for homes five years old or newer. This is not a blanket inspection waiver and does not apply to HO3.
Public source: Security First, Dwelling Fire program enhancements · change effective 2026-06-15, stated in public announcement · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
GLOSSARY
Terms Used on This Page
DP-3-DL
A carrier form used for some rental homes, including some short stays.
Four-point inspection
A check of the roof, pipes, wiring, and heating and cooling systems.
Learn more →A1 opening protection
A carrier rating for approved protection on windows, doors, and other openings.
Decline
A carrier decision not to offer a particular program. Only the carrier can make this determination, and it can change with the program, address, and effective date.
Learn more →BEFORE YOU ASK FOR A QUOTE
Questions to Ask Before a Quote
- Does your agency work with this carrier and policy type?
- Is the carrier open for new business at this address?
- Does the roof meet the current age, type, and condition rules?
- Will the carrier ask for a four-point, wind, roof, or other inspection?
- Do the pipes, wiring, heating, cooling, and water heater meet the rules?
- How would Security First pay for roof damage? Would it use replacement cost, actual cash value, or a roof schedule?
- What are the hurricane and all-other-perils deductibles?
- Are there water, mold, animal, pool, or other limits?
- Which forms or records should you send before the quote?
PAPERWORK
Records to Gather
For a Security First review, bring the roof permit and the latest inspection. Keep bills for work on the roof, pipes, wires, or heating system. List old claims and how each repair was made. Send clear photos only when asked, and keep a copy of each file.
CITIZENS RESOURCE CENTER
Citizens Takeout Activity Reported
An active Citizens takeout carrier with its own dedicated 'Citizens Depopulation' page describing its role moving Citizens policies into the private market. (Source: Security First Insurance website.)
Explore All Florida Carriers
Every carrier in the directory. Hover to pause, click any to open its profile.
What You Should Read Next
Insurance Companies
Compare Florida home insurance carriers side by side: published coverage forms, eligibility guidance, and company facts for every profile.
Citizens Insurance
How Citizens works, the 20% rule, and depopulation explained.
Coverage Explained
Understand your policy, coverages, and deductibles.
Eligibility Guides
Roof age, plumbing, electrical and prior claims: how each factor affects which carriers will consider your home.
Need a specific insurance company?Get a quote from your Florida-licensed agent
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FloridaHomeInsurances.com is an educational resource operated by a Florida-licensed insurance agency (see About). It is not an insurance carrier or underwriting decision-maker. Information on this site summarizes publicly available materials and general market considerations. General ranges are educational only; they are not a carrier’s complete underwriting guidelines, a quote, an offer, or a guarantee that a property or applicant will qualify. Availability, eligibility, pricing, coverage, forms, inspections, and documentation requirements can change and may vary by carrier, policy form, county, property, applicant, and effective date. Before relying on any figure or description, confirm the current requirement directly with the carrier or a Florida-licensed agent who is appointed with that carrier. The issued policy and the carrier’s current underwriting decision control.