Security First Insurance Reviews 2026

Overview

• No of ratings: Clearsurance (2.13), Google (4.3), BBB (A+), Avg ratings (3.015) 
• No of reviews: Clearsurance (65), Google (3175), Total (3240) 
• Address:  Ormond Beach, FL (headquarters)
• Phone number: (877) 333-9992
• Financial Stability Rating: “A” (Exceptional) by Demotech, affirmed October 16, 2025
• Focus: Homeowners insurance with hurricane and wind coverage

Security First Insurance is one of the largest providers of homeowners’ insurance in Florida. Founded in 2005, the company focuses on property and casualty coverage for Florida homeowners, with tailored options for hurricane-prone regions. This review evaluates coverage, endorsements, ratings, customer experiences, and whether Security First Florida insurance reviews support choosing them for your home.

About Security First

Security First Insurance specializes in Florida homeowners’ insurance, offering policies designed to protect homes against fire, theft, vandalism, and natural disasters, including hurricanes. Its products include standard HO-3 (homeowners) and HO-6 (condo) policies.

While the company has competitive rates for newer homes, reviews indicate service inconsistencies, particularly during peak storm season. This makes it critical to understand Security First insurance company reviews and ratings before purchasing.

Security First Homeowners' Insurance: Core Policies and Coverage

Security First focuses on comprehensive coverage tailored to the unique risks of the Florida coastline, primarily offering the standard HO-3 (Homeowners) and HO-6 (Condo) policies. A key differentiator is their focus on Hurricane Protection, which is often cited as a strength in industry comparisons.

Essential Endorsements for Florida Policyholders

In addition to the standard Dwelling, Personal Property, and Liability coverage, Security First allows policyholders to customize their plan with crucial endorsements:

• Roof Deductible Endorsement: Vital in Florida. This allows you to potentially lower your deductible on the roof specifically, which is a common claim point.
• Equipment Breakdown & Service Line Enhancement: Covers repairs for major appliances (A/C, water heater) and utility lines (water, sewer) on your property.
• Identity Theft Protection: Coverage for costs associated with restoring your identity after a breach.
• Increased Replacement Cost on Dwelling: Provides a cushion above your dwelling limit (Coverage A) to account for sudden spikes in construction costs after a widespread disaster.
• Screened Enclosure/Carport Coverage: Explicitly covers these common, and often storm-damaged, Florida structures.

Discounts for Lower Security First Rates

Security First offers a variety of credits to help mitigate high Florida home insurance costs:

• Secured Community Credit: For homes in gated communities.
• Water Leak Detection Credit: Encourages the use of smart home technology to prevent costly water damage claims.
• Military/First Responder & older person Credit
• Actual Cash Value (ACV) Roof Loss Settlement: Choosing to receive the depreciated value of your roof (ACV) instead of the full replacement cost (RCV) can significantly lower your premium.

Policy Offered by Security First Insurance

Security First Insurance offers policies designed for Florida homeowners, including Premier Home (HO‑5), Signature/Signature+ (HO‑3), Dwelling Basic/Flex, Condo (HO‑6), Renters (HO‑4), and Landlord programs.

If you own a home in Florida, it’s important to choose the right policy. Security First provides coverage tailored to local risks, including hurricanes, wind damage, and water-related incidents.

Main Policies:

• Premier Home (HO‑5): Comprehensive protection for high-value homes, covering dwelling, personal property, and liability.

• Signature / Signature+ (HO‑3): Standard homeowners coverage with solid protection for most properties.

• Dwelling Basic & Dwelling Flex: Focused on structural protection, suitable for simpler or investment properties.

• Condo (HO‑6): Covers interior build-out, personal property, and gaps not covered by the condo association’s master policy.

• Renters (HO‑4): Protects personal belongings and liability for tenants.

• Landlord / Flex programs: Designed for rental properties and homeowners leasing their homes.

Key Points to Consider:

• Choose a policy type that matches your home’s value and location.

• Review optional coverages like roof-deductible endorsements, screened enclosure coverage, and equipment breakdown.

• Understand deductibles, especially for hurricanes and wind damage.

• Check whether coverage is replacement cost or actual cash value for dwelling and personal property.

By selecting the right policy and optional coverages, homeowners can ensure their property is protected against Florida-specific risks while keeping premiums reasonable.

Financial Strength and Storm Preparedness of Security First Insurance

Security First Insurance doesn’t just claim readiness for hurricanes—they demonstrate it with solid financial safeguards. For the 2024–2025 hurricane season, the company secured $1.02 billion in total reinsurance coverage, enough to withstand multiple major storms, even events larger than Hurricanes Irma or Ian. Their coverage exceeds Florida’s regulatory minimum, designed to handle a 1-in-247-year catastrophic event, nearly twice the state’s recommended benchmark.

As of September 1, 2024, Security First holds $82 million in surplus capital and maintains a conservative net retention of $8.6 million per event, which acts as their internal deductible before drawing on reinsurance. This approach creates a strong financial buffer, limiting strain during severe losses.

To put it in perspective, the company has earmarked $752 million to cover a single major hurricane, more than four times the estimated impact of a storm like Hurricane Ian.

Security First Insurance Eligibility & Underwriting Requirements

Security First Insurance covers a broad range of homes across Florida but has specific criteria to ensure properties are safe and insurable. While their underwriting is not unusually strict compared to other Florida insurers, the company places strong emphasis on storm readiness and proper maintenance.

For older homes or properties in high-risk hurricane zones, additional inspections or supporting documentation may be required. Security First is generally transparent about their requirements, helping homeowners understand what they need to qualify.

Typical Requirements Include:

• Home Inspections: Often required for older properties, high-risk locations, or higher coverage limits.
• Credit Check: A favorable credit history can improve eligibility and potentially reduce premiums.
• Wind Mitigation Features: Essential for qualifying in storm-prone areas and for maximizing available discounts.
• Home Condition: Well-maintained homes are necessary—this includes sound roofs, updated wiring, and functional plumbing.
• Safety Installations: Features like smoke detectors, water shutoff valves, and central alarm systems are beneficial.

Commonly Requested Documents:

• Proof of ownership (deed or mortgage statement)

• Recent home or wind mitigation inspection reports

• Previous insurance history, including claims

• Financial verification (credit or income documentation)

• Government-issued identification

By meeting these eligibility and underwriting standards, homeowners increase their chances of approval and may qualify for lower premiums and additional coverage options.

Security First Insurance Complaints

Security First Insurance maintains high ratings from financial and industry organizations—Demotech (A) and the Better Business Bureau (A+). However, it has received a notable number of customer complaints over recent years. According to the BBB:

• 30 total complaints in the last 3 years

• 10 complaints closed in the last 12 months

Common issues cited by customers include claims processing delays during storms, unexpected rate increases, and communication challenges.

Prospective policyholders should consider these complaints alongside the company’s hurricane-focused coverage and competitive rates when evaluating Security First Insurance reviews in Florida.

Security First Insurance Ratings

What Real People Say About Security First Insurance, Reddit Insights?

Florida homeowners have shared mixed experiences with Security First Insurance. Many appreciate the company’s competitive premiums and Florida-focused coverage, especially for newer homes with wind mitigation features, which can help lower insurance costs. Users note that the policies are tailored to local risks such as hurricanes and wind damage, providing peace of mind for homeowners in storm-prone areas.

However, challenges with the claims process are frequently mentioned. Some policyholders report delays in communication, slow claim resolution, and difficulty reaching claims representatives, particularly during peak storm seasons. One Reddit user shared: “Our insurance (Security First) increased our premium to $7,100 this year and I find that absolutely bad …” Another noted: “Policy will be renewed once our roof passes inspection, but I’m concerned they will jack up rates again.”

Security First Vs Other Companies

How to File a Claim with Security First Insurance

Security First Insurance makes filing a claim simple and accessible, whether you prefer phone, online, or mobile options. Their process is designed to reduce stress, especially after hurricanes or major storms, though responsiveness may vary during high-volume periods.

Ways to File a Claim:

1. By Phone: Call 877‑581‑4862, available 24/7 for immediate support.

2. Online Portal: Submit claims with photos and notes, track progress digitally.

3. Mobile App: File directly from your smartphone, including photo uploads and documentation.

4. Text: Text “Claim” to 386‑251‑2066 during business hours (Mon–Fri, 8 a.m.–5 p.m. ET).

Once your claim is submitted, a Claims Examiner is assigned to guide you through the process, ensuring you understand what’s covered and what steps to take. Being prepared with photos, documentation, and policy details can help speed up your claim resolution.

Conclusion: Is It the Right Choice for You?

Despite having a favorable rating from the Better Business Bureau (A+) and a strong financial rating from Demotech (A), the significant volume of negative customer reviews and the exceptionally high NAIC Complaint Index (13.57) raise serious concerns about the customer experience, particularly during the critical claims process.

We offer a cautious affirmation:

• Choose Security First if: You live in a newer Florida home (less than 15 years old) or a condo, and you are prioritizing competitive rates and local hurricane expertise above all else. You must be prepared to manage potential communications delays during a major disaster.
• Consider Alternatives if: You value premium, guaranteed customer service, desire bundling discounts (home and auto), or own an older property. In this case, comparing rates with national carriers like State Farm or highly-rated regional carriers is highly recommended.

Actionable Next Step: Use an independent agent to compare Security First’s current quote against 3-4 other top Florida carriers (e.g., Tower Hill, American Integrity) to ensure you are getting the best blend of price and protection for your specific home.