Security First Insurance is Florida's trusted homeowners insurance company, dedicated to safeguarding the homes of hundreds of thousands of Floridians statewide. Built on a foundation of integrity, stability, and customer satisfaction, the company stands by Floridians during every storm. Providing specialized insurance options like Premier Homeowners (HO5), Dwelling Fire Basic (DF1), and Condo Insurance (HO6) coverage, Security First provides homeowners with inclusive coverage for home structures and their personal belongings. Their customer-oriented strategy and customizable coverage policy make them Florida's homeowners' trusted option.

Insurance Product Offered by Security First Insurance for Homeowners

Premier Homeowners Insurance

Security First Insurance offers exclusive coverage through its Premier Homeowners (HO5) policy, designed for Florida homeowners with properties valued between $500,000 and $2.5 million. This comprehensive plan provides unparalleled protection and peace of mind, covering everything from the structure of your home to personal liability and medical payments. The HO5 policy provides added coverage features like increased special limits for personal items like watches and jewelry at no extra cost. It also has equipment breakdown, service lines, and lock replacement coverage, so all of your home's critical systems are covered.

In addition, Coverage A provides for full replacement cost for your dwelling, and Coverage C insures personal property with replacement cost coverage. If your dwelling becomes uninhabitable, Coverage D covers additional living expenses. With a commitment to customized choices and great customer service, Security First's Premier Homeowners Insurance provides Florida homeowners with one of the finest means of protecting their valuable assets.

Dwelling Basic

Security First Insurance provides its Dwelling Fire Basic (DF1) policy as the perfect fit for Florida homeowners who want flexibility in their coverage. Ideal for homes that have special features, like vacant homes, foreclosure purchases, or those with previous losses, the DF1 policy is basic yet flexible. Homeowners can customize their policy by choosing only what coverage they require, making it an affordable option.

The policy covers the dwelling structure of your home (Coverage A) on an actual cash value (ACV) basis, which takes depreciation into account. There are other coverage options for other buildings, such as detached garages or sheds (Coverage B), your personal property (Coverage C), and loss of use (Coverage D) in the event your home is rendered uninhabitable. Liability and medical payments are also covered, providing extensive protection from surprise claims. Its flexible strategy, Security First's Dwelling Fire Basic Insurance, enables homeowners to protect their property without overpaying for excess coverage.

Condo Insurance

Condominium living has numerous benefits, but don't forget your condo association's insurance will usually only cover the outside of the building. For ultimate protection, Security First Insurance provides its Condo Insurance policy (HO6), which is specifically designed to protect your individual property and interior amenities.

This policy covers a range of essentials, starting with the structure of your home (Coverage A) — including flooring, cabinetry, and other permanent fixtures — for losses caused by events like fire, theft, or lightning. Coverage for personal property (Coverage C) is provided at replacement cost, ensuring you’re reimbursed the full value of lost items like furniture and electronics.

Other available coverage options are Loss of Use (Coverage D) in case your condo is rendered uninhabitable, Liability Coverage (Coverage E) for personal injury cases, and Medical Payments (Coverage F) for your guests who get injured on your premises. Add-ons such as Dog Liability and Water Backup & Sump Overflow can also be added for extra peace of mind. With limited coverage and optional selectability, Security First's Condo Insurance has it covered so that Florida condo owners can be secure inside and out.

Locke Burt | Short Bio

Locke Burt, Security First Insurance's Chairman and CEO, moved to Florida in 1974 after obtaining an MBA from Northwestern and a law degree from Loyola University Chicago. A banker and lawyer by background, Locke served 12 years in the Florida Senate (1991–2002) and was instrumental in designing the Florida Hurricane Catastrophe Fund and the Citizens Property Insurance Company. His role as a leader after Hurricane Andrew in 1992, which produced more than $26 billion in insured losses, motivated him to start Security First Insurance. Locke has been identified by Florida Trend Magazine as one of the most influential business leaders within the state.

“Security First Insurance’s comprehensive home insurance is designed to protect you from life’s unexpected challenges, including hurricanes, fires, and theft. With Security First Insurance’s policy, you can rest easy knowing your most valuable asset is safeguarded by a name you can trust.”