--- title: "Security First Insurance Review [Updated 2026]" description: "Security First Insurance specializes in homeowners insurance for Florida properties, particularly those in high-risk coastal areas. Learn about their coverage options, claims process, and customer ratings." canonical: "https://www.coveragecat.com/reviews/security-first" last-updated: "2026-08-13" --- # Security First Insurance Review [Updated 2026] Security First Insurance Company serves Florida homeowners who need property insurance in coastal and high-risk areas. Founded in 2005 by former Florida State Senator Locke Burt and business partner Harry Bleiwise, the company operates as a specialty insurer focused exclusively on the Florida market [(Observer Local News, "Security First Insurance marks 20 years in business in Ormond Beach", 2025)](https://www.observerlocalnews.com/news/2025/apr/11/security-first-insurance-marks-20-years-in-business-in-ormond-beach/). The company is headquartered in Ormond Beach, Florida [(BBB, "Security First Insurance Company", 2026)](https://www.bbb.org/us/fl/ormond-beach/profile/insurance-agency/security-first-insurance-company-0733-90134291). The insurer emerged during a period when Florida property owners faced challenges in securing affordable coverage. Security First built its business model around serving properties that other insurers considered too risky, particularly homes in coastal zones vulnerable to hurricane damage. The company now ranks among the largest homeowners insurance providers in the state, serving hundreds of thousands of Floridians as one of the top fifteen property insurers in Florida [(Security First Insurance, "About Us - Security First Insurance Florida", 2024)](https://www.securityfirstflorida.com/about-us/). This review examines Security First Insurance Company reviews, coverage options, claims handling, customer service, and financial stability to help Florida homeowners decide if the company meets their insurance needs. ## What Kinds of Insurance Does Security First Insurance Offer? Security First Insurance maintains a Florida-focused product line. Contrary to being a single-product company, Security First provides homeowners insurance products that include coverage for condos, renters, and landlords [(BBB, "Security First Insurance Company", 2026)](https://www.bbb.org/us/fl/ormond-beach/profile/insurance-agency/security-first-insurance-company-0733-90134291). The company also offers optional protections such as equipment breakdown, service line coverage, and identity theft protection. In December 2024, Security First introduced an HO-5 homeowner program through a partnership with Embark MGA, designed specifically for home builders. This open-peril policy covers personal belongings and includes service and equipment breakdowns, with premiums embedded in closing costs to remove a barrier for Florida home buyers [(Rabb, "Security First, Amelia Underwriters Offering New Products in Warming Florida Market", 2024)](https://www.insurancejournal.com/news/southeast/2024/12/30/806230.htm). The company does not offer: - Auto or motorcycle insurance - Business or commercial property coverage - Life insurance - Health insurance - Umbrella insurance - Boat or watercraft insurance Florida homeowners who need these additional coverage types must purchase policies from other carriers. This specialized approach allows Security First to concentrate on Florida's unique property insurance market but requires customers to maintain relationships with multiple insurers for comprehensive protection. ## Does Security First Insurance Sell Homeowners Insurance? Security First Insurance provides [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) coverage throughout Florida. The company structures policies to meet Florida-specific requirements while protecting dwelling, personal property, and liability exposures. According to the company, it can quote approximately 95% of Florida homes [(Security First, "Insurance Products", 2026)](https://www.securityfirstflorida.com/insurance-products/). Standard homeowners policies from Security First include: **Dwelling Coverage**: Protects the physical structure of the home against covered perils including fire, lightning, windstorm, and other risks. This coverage forms the foundation of the policy and determines maximum payout amounts for structural damage. **Personal Property Coverage**: Provides compensation for belongings damaged or destroyed by covered events. Standard policies typically cover personal property at 50-70% of the dwelling coverage limit. **Liability Protection**: Offers defense and payment for claims if someone sustains injuries on the insured property. Basic policies include minimum liability limits with options to increase coverage amounts. **Additional Living Expenses**: Pays for temporary housing and living costs if the home becomes uninhabitable due to a covered loss. The company states that it provides policyholders with a pre-paid debit card for immediate access to funds [(Security First, "FAQs", 2026)](https://www.securityfirstflorida.com/faqs/). **Medical Payments**: Covers medical expenses for guests injured on the property regardless of fault, typically with limits between $1,000 and $5,000. The company writes policies for various property types including single-family homes, townhouses, condominiums, and rental properties. Security First accepts applications for properties in coastal zones where wind and hurricane damage pose elevated risks. Florida law requires separate coverage for flood damage through the National Flood Insurance Program or private flood insurers. Security First policies exclude flood damage, so coastal homeowners typically need both a Security First homeowners policy and a separate flood insurance policy. ## How Does Security First Insurance Work? Security First Insurance operates through a direct-to-consumer model and independent agent network. The company processes applications, underwrites policies, and handles claims from its Florida operations. ### Getting a Quote Homeowners can request quotes through the Security First website or by contacting independent agents licensed to sell the company's products. The quote process requires information about: - Property location and address - Home construction details (roof type, exterior walls, year built) - Square footage and number of stories - Desired coverage amounts - Deductible preferences - Security features (alarm systems, storm shutters) Security First evaluates multiple risk factors specific to Florida properties including proximity to coast, windstorm exposure, and local building codes. The company uses this data to calculate premiums and determine eligibility. ### Purchasing a Policy Approved applicants can bind coverage online or through their agent. The company requires: - Completed application with accurate property details - Payment of first premium installment - Signed policy documents - Proof of required inspections (if applicable) Policies typically take effect on the requested date once Security First receives payment and processes all paperwork. The company sends policy documents that detail coverage limits, deductibles, exclusions, and conditions. ### Managing Your Policy Policyholders access their accounts through the Security First website. The online portal allows customers to: - View policy documents and declarations pages - Make premium payments - Update contact information - Request policy changes - Access billing statements The company accepts premium payments through automatic bank drafts, credit cards, or mailed checks. Security First offers monthly payment plans, though annual payment may provide discounts. ## Pros and Cons of Security First Insurance
### Pros **Florida Specialization**: The company focuses exclusively on Florida properties and understands state-specific insurance challenges, building codes, and regulatory requirements. **Broader Product Range Than Expected**: Beyond homeowners coverage, Security First offers renters, condo, and landlord policies—providing more options for Florida residents than many regional competitors. **Strong Financial Stability**: Security First maintains more than $1.2 billion in total reinsurance coverage available for multiple storms in a single year and reports $94.2 million in surplus (capital) as of July 2025 (Security First Insurance, "Financial Stability - Security First Insurance Florida", 2025). The company holds a Demotech Financial Stability Rating of "A" (Exceptional), which it has allegedly maintained since 2005 (Security First, "Citizens Depopulation", 2026). **Recent Rate Reductions**: Security First filed for consecutive rate decreases in 2024 and 2025, with an average 5.2% reduction for Signature+ HO3 policies in January 2026 and an 8% average decrease for legacy Signature HO3 policies in December 2025 (Insurance Journal, "Security First Latest Florida Insurer to Roll Back HO3 Rates", 2026). **Online Account Management**: Policyholders access policy information, make payments, and manage accounts through a web portal without requiring phone calls or agent contact. **First Choice Repair Network**: Security First operates a vetted contractor network of 150+ licensed and insured Florida contractors who undergo background checks (Security First Insurance, "Claims Process - Security First Homeowners Insurance Florida", 2024).
### Cons **Limited Geographic Availability**: The company operates only in Florida, making it unsuitable for homeowners in other states or those planning to relocate outside Florida. **No Auto or Umbrella Coverage**: Security First does not offer auto insurance or umbrella insurance, requiring customers to purchase these coverage types from different carriers and eliminating potential multi-policy discounts. **Significantly Elevated Complaint Index**: Security First holds a NAIC Complaint Index of 13.57, which means the company received more than thirteen times the expected number of complaints for a company of its size [(NAIC, "Consumer Complaint Index", 2025)](https://www.naic.org/consumer_complaint_index.htm). This substantially exceeds the national median of 1.00. **Mixed Customer Reviews**: Customer feedback varies widely, with some praising claims handling while others report delays and communication issues, particularly during high-volume periods after storms. The BBB profile shows more than 30 customer complaints (BBB, "Security First Insurance Company", 2026). **Not Rated by AM Best**: Unlike many national carriers, Security First lacks an AM Best rating, which some consumers and lenders prefer as a benchmark for insurer stability. **Historical Regulatory Issues**: A 2021 Florida Office of Insurance Regulation examination of Security First's Hurricane Michael claims found violations related to claims payment timelines and record maintenance (Florida Office of Insurance Regulation, "Market Regulation Examination Report - Security First Insurance Company", 2021).
## Ratings and Customer Feedback Security First Insurance receives mixed ratings across various platforms. The following table summarizes available ratings from multiple sources: | Rating Source | Rating | Notes | |--------------|--------|-------| | A.M. Best | Not Rated | Security First is not currently rated by AM Best, the leading global credit organization monitoring the insurance industry. | | Demotech Financial Stability | A (Exceptional) | Since opening doors in 2005, Security First has earned and maintained a Demotech Financial Stability Rating of "A" (Exceptional). [(Security First, "Citizens Depopulation", 2026)](https://www.securityfirstflorida.com/citizens-depopulation/) | | Better Business Bureau | A+ (Accredited) | BBB Accredited since April 30, 2012. 1.69/5 stars based on 26 Customer Reviews [(BBB, "Security First Insurance Company", 2026)](https://www.bbb.org/us/fl/ormond-beach/profile/insurance-agency/security-first-insurance-company-0733-90134291) | | Trustpilot | 3.2/5 | TrustScore based on 1 user review [(Trustpilot, "Securityfirstflorida Reviews", 2025)](https://ie.trustpilot.com/review/www.securityfirstflorida.com) | | Yelp | Limited Data | The company's Ormond Beach headquarters has minimal Yelp presence; a closed Orlando location shows 7 reviews | The data reveals a stark contrast in Security First Insurance ratings: high marks for financial stability and accreditation stand alongside significantly elevated complaint ratios and mixed customer satisfaction scores. Prospective policyholders should weigh the company's strong financial position against documented service challenges. ## Security First Insurance Financial Strength Overview Understanding Security First Insurance rating requires examining multiple financial indicators. The following table summarizes the company's key financial metrics: | Financial Metric | Value | Source | |-----------------|-------|--------| | Total Reinsurance Coverage | More than $1.2 billion for multiple storms per year | [(Security First Insurance, "Financial Stability", 2025)](https://www.securityfirstflorida.com/about-us/financial-stability/) | | Surplus (Capital) | $94.2 million as of July 2025 | [Ibid.](https://www.securityfirstflorida.com/about-us/financial-stability/) | | Net Retention Per Event | $9.2 million for 2025/2026 | [Ibid.](https://www.securityfirstflorida.com/about-us/financial-stability/) | | Reinsurance Coverage Level | Purchased to cover up to 1-in-236-year event | [Ibid.](https://www.securityfirstflorida.com/about-us/financial-stability/) | | Florida Required Minimum | 1-in-130-year event coverage | [Ibid.](https://www.securityfirstflorida.com/about-us/financial-stability/) | Security First exceeds Florida's recommended reinsurance minimums, purchasing coverage nearly twice the state's standard requirements. This conservative approach to catastrophic risk protection demonstrates the company's commitment to claims-paying ability after major storm events. ## Real Customer Reviews Security First Insurance has a polarized review profile. While the company has received accolades for hurricane preparedness and affordable rates, customer feedback on claims handling and communication is mixed. **Negative Reviews:** "I have a claim opened after hurricane [Milton] 10/2024. I haven't heard from them since 1/2025 despite numerous calls from me, my contractor and my agent. Very frustrating!" — BBB Review [(BBB, "Security First Insurance Company Reviews", 2026)](https://www.bbb.org/us/fl/ormond-beach/profile/insurance-agency/security-first-insurance-company-0733-90134291/customer-reviews) "Stay Far Far away from this insurance company unless you want to get scr**ed... 2 years and still fighting for reimbursement for RV rental, food and appliances from flooding during [Hurricane Ian]. Insurance claim representatives ignore your emails and phone messages and never call you back..." — BBB Review [Ibid.](https://www.bbb.org/us/fl/ormond-beach/profile/insurance-agency/security-first-insurance-company-0733-90134291/customer-reviews) **Industry Assessment:** The pattern in Security First Insurance complaints centers on post-storm claims communication and processing delays. Prospective customers should: - Contact independent agents for client references - Request information about claims handling experiences - Ask about typical response times and customer service quality - Inquire with Florida neighbors or community groups about their experiences ## Get Customer Support or File a Claim Security First Insurance provides several channels for customer service and claims reporting. ### Customer Service Contact Methods **Phone Support**: Policyholders can reach customer service representatives during business hours at (877) 333-9992. The company operates Monday through Friday 8 am to 7 pm and Saturdays 8 am to 4:30 pm [(Security First, "Homepage", 2026)](https://www.securityfirstflorida.com/). **Online Portal**: The Security First website includes account management tools where customers can submit service requests, update information, and access policy documents without calling. **Independent Agents**: Customers who purchased policies through agents can contact their agent directly for service needs and policy questions. ### Filing a Claim Security First offers multiple methods to report claims: **Online Claims Reporting**: Policyholders can file claims through the company website by providing details about the loss, damage extent, and contact information. **Phone Claims Reporting**: The company operates a claims hotline at (877) 333-9992 that accepts reports outside normal business hours for urgent situations. **Text Claims Reporting**: Customers can text 'CLAIM' to 386-251-2066 to initiate the claims process. **Agent Assistance**: Independent agents can help policyholders file claims and provide guidance through the process. When filing a claim, customers should prepare: - Policy number - Date and time of loss - Description of damage - Photos of affected areas - Contact information for follow-up Security First assigns adjusters to inspect damage and evaluate claims. The company uses a five-stage claims process from reporting to resolution and employs mobile app technology to expedite claim processing [(Security First Insurance, "Claims Process", 2024)](https://www.securityfirstflorida.com/claims-process/). For the new HO-5 program launched in 2024, Security First handles claims in-house rather than through third-party administrators [(Rabb, "Security First, Amelia Underwriters Offering New Products in Warming Florida Market", 2024)](https://www.insurancejournal.com/news/southeast/2024/12/30/806230.htm). ## Frequently Asked Questions ### Does Security First Insurance offer discounts? Security First may provide discounts for security features, newer roofs, hurricane protection devices, and other risk-reducing measures. Available discounts vary based on property characteristics and location. Contact the company or an independent agent for specific discount information. ### Can I get auto insurance from Security First Insurance? No. Security First Insurance specializes in residential property insurance. Customers need to purchase [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance) from other carriers. ### Does Security First Insurance cover flood damage? No. Like most homeowners insurers, Security First excludes flood damage from standard policies. Florida homeowners in flood-prone areas should purchase separate flood insurance through NFIP or private flood insurers. ### What areas of Florida does Security First Insurance serve? Security First Insurance writes policies throughout Florida, including coastal regions. The company claims it can quote approximately 95% of Florida homes, though location restrictions may apply in certain areas [(Security First, "Insurance Products", 2026)](https://www.securityfirstflorida.com/insurance-products/). ### How quickly does Security First Insurance process claims? Claim processing times vary based on loss complexity, damage extent, and documentation completeness. The company aims to assign adjusters and begin inspections promptly after claim filing. Specific timeframes depend on individual circumstances and current claim volume. Customer reviews indicate some policyholders experience delays, particularly after major storm events. ### Can I get renters insurance from Security First? Yes. Unlike many Florida-focused carriers, Security First offers renters insurance (HO4 policies) for Florida residents. The company states that coverage starts at approximately $10.50 per month [(Security First, "Renters Insurance", 2026)](https://www.securityfirstflorida.com/insurance-products/renters-insurance/). ### Is Security First good insurance for Florida homeowners? Security First Insurance demonstrates strong financial stability with substantial reinsurance coverage and recent rate reductions, making it competitive for Florida homeowners. However, the company's significantly elevated NAIC complaint index (13.57 vs. national median of 1.00) and mixed customer reviews regarding claims communication suggest potential service challenges. The company works well for Florida homeowners who prioritize competitive pricing and hurricane protection but should be prepared for possible delays during high-volume claims periods. ### What is Security First Insurance's financial strength rating? Security First Insurance holds a Demotech Financial Stability Rating of A (Exceptional). The company claims it has maintained this rating since opening its doors in 2005 [(Ibid., "Citizens Depopulation", 2026)](https://www.securityfirstflorida.com/citizens-depopulation/). The company maintains $94.2 million in surplus and more than $1.2 billion in reinsurance coverage [(Security First Insurance, "Financial Stability", 2025)](https://www.securityfirstflorida.com/about-us/financial-stability/). However, Security First is not rated by AM Best, which some consumers prefer as a benchmark. ### Does Security First Insurance offer condo insurance? Yes. Security First provides coverage for condominium units through HO6 policies. Coverage availability depends on the property type and association master policy details. Contact the company for specific information about condo coverage options. ### How do I cancel my Security First Insurance policy? Policyholders can cancel coverage by contacting Security First customer service or their independent agent. Florida law requires written notice for cancellation. The company calculates refunds based on the unused portion of the premium and applicable cancellation terms outlined in the policy. ### What happened with Security First Insurance claims after Hurricane Michael? A 2021 Florida Office of Insurance Regulation examination reviewed 394 Hurricane Michael claims filed with Security First and found violations related to claims payment timelines and record maintenance. The company agreed with some violations but disagreed with others regarding 90-day payment requirements. The report included recommendations for improvement in claims handling [(Florida Office of Insurance Regulation, "Market Regulation Examination Report - Security First Insurance Company", 2021)](https://floir.gov/docs-sf/property-casualty-libraries/market-regulation/2021/security-first-insurance-company-2-27-2021.pdf). ### Has Security First Insurance reduced rates recently? Yes. Security First implemented consecutive rate reductions in 2024 and 2025. The company filed for a 5.2% average decrease for Signature+ HO3 policies effective January 2026 and an 8% average decrease for legacy Signature HO3 policies in December 2025 [(Insurance Journal, "Security First Latest Florida Insurer to Roll Back HO3 Rates", 2026)](https://www.insurancejournal.com/news/southeast/2026/01/23/855342.htm). --- Security First Insurance serves a specific niche within Florida's homeowners insurance market. The company provides coverage for properties that face elevated risks from coastal exposure and hurricane activity, backed by substantial reinsurance protection and recent competitive rate reductions. However, the significantly elevated complaint ratio and mixed customer reviews regarding claims communication warrant careful consideration. Florida homeowners should compare quotes from multiple carriers, verify current financial ratings, and evaluate coverage terms before selecting an insurer. Those who need auto or umbrella coverage, or who plan to move outside Florida, should consider carriers with broader product portfolios and geographic availability.