Security First
NAIC #10117 · WWW.SECURITYFIRSTFLORIDA.COM
Security First appears to be a Florida-focused residential property insurer with homeowner-facing product pages, claims and policyholder service resources, agent resources, technology tools, and storm/hurricane education. The crawl includes coverage pages, service resources, and consumer education useful for a Florida home insurance directory.
Florida Availability
Statewide; Miami-Dade/Broward/parts Palm Beach need A1 Opening Protection
Citizens Relationship
Active Takeout Participant
Property Types
Primary/owner-occupied: Yes; Rental: HO-3/HO-5/HO-6: No (student rentals ineligible all forms) | DF3-DL: Yes, explicitly accepts Airbnb/VRBO (condotels excluded); Vacant: DF1 (Dwelling Basic) designed for vacant homes
Unique Programs
1
Company Overview
Security First Insurance is listed in this directory using the legal/OIR carrier record SECURITY FIRST INSURANCE COMPANY DBA SECURITY FIRST FLORIDA, with Florida authorization status shown as ACTIVE and a Florida licensed date of 04/08/2005. For homeowners, the current research points to this profile as best suited for: Go-to product for Airbnb/VRBO hosts (DF3-DL) Florida availability is summarized as: Statewide; Miami-Dade/Broward/parts Palm Beach need A1 Opening Protection Key underwriting considerations in the current source data include roof guidance (DF3-DL: shingle<=20/metal-tile<=35 yrs; HO-3/HO-5 not itemized), home-age guidance (No flat cap), claims history, inspection requirements. Common eligibility concerns noted in the research include: Student rentals (all forms); >41 yr homes without water exclusion Use this profile as a general guidance summary, not as a guarantee of approval or coverage availability.
Best Fit Homeowner
- Go-to product for Airbnb/VRBO hosts (DF3-DL)
Eligibility Challenges & Hard Stops
Will Decline
- Student rentals (all forms)
- >41 yr homes without water exclusion
Requires Underwriting Review
- Varies per product form – verify full UWG
- Animal Liability endorsement ($50k) available all forms; ineligible breeds excluded from endorsement only
THE UNDERWRITING BOX
What Security First will and won’t write.
Citizens Connection
Active Takeout Participant
An active Citizens takeout carrier with its own dedicated 'Citizens Depopulation' page describing its role moving Citizens policies into the private market. Matches internal Citizens_Participation/Depopulation_Activity = Yes flags. (Source: Security First Insurance website.)
Other Carriers to Compare
Not every agency carries this carrier.
Ask any independent agent specifically whether they’re appointed with this carrier before getting a quote — most only carry a fraction of the market.
Find an AgentThis profile is intended as a general research reference. Carrier appetite, underwriting rules, eligibility, pricing, and documentation requirements can change. Final eligibility is determined by the insurance carrier at the time of application.
Information last verified August 2026. This carrier’s underwriting/rate manual on file was last revised: 04/17/2026 (QRG); 10/24/2025 (UWG). Underwriting eligibility and product availability may change. Contact the carrier or a licensed agent for current requirements.