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Security First Home Insurance Review 2021

Security First offers comprehensive home insurance to Floridians. Learn about its coverage, cost, and reputation in this Security First Insurance review.

Florida Home iStock

Purchasing a home insurance policy is a wise investment—after all, your home is likely your most valuable asset. With a homeowners insurance policy, you can safeguard your home and its contents in the event of a natural disaster or events like burglary.

Selecting the right home insurance company can be tricky. Companies differ in coverage, availability, and customer service quality. The This Old House Reviews Team has done some of the work for you, creating this in-depth Security First home insurance review to help you decide if the company is the best fit for your home.

Our Take

Security First offers comprehensive home insurance coverage. The insurance provider offers all industry-standard coverage and a long list of endorsements, including golf cart protection and screen enclosure/carport coverage. There are a fair number of discounts, but they are common.

Unfortunately, Security First is only available in Florida, has no 24/7 customer service availability by phone, and has only been in business since 2005, which is less time than many of its competitors. We give Security First home insurance a score of 81.25 out of 100.

On Security First’s Better Business Bureau profile, common complaints cite poor communication and claims denial. Reviews range from praise for speedy service to concerns about few payouts.

Pros & Cons

Compare the advantages and disadvantages of Security First home insurance.

Security First Home Insurance Pros & Cons

Pros Cons
Pros Cons
Comprehensive coverage Only available in Florida
Less common endorsements No 24/7 customer service by phone
A+ BBB rating

Coverage

Security First offers all industry-standard basic coverages, in addition to several endorsements.

Security First Home Insurance Coverage

Coverage Type Description
Coverage Type Description
Dwelling Covers the cost of repairing or rebuilding your home’s exterior and interior structure in the event of a covered loss
Other structures Covers the cost of repairing or rebuilding detached structures like a garage or shed in the case of a covered loss
Personal property Covers the cost or replacing or repairing personal property in case of a covered loss, including electronics, furniture, appliances, and clothes
Loss of use/Additional living expenses Covers the costs associated with living outside of your home due to covered damage or destruction, including accommodation and dining
Personal liability Covers legal fees if you are sued for injury or personal property damage to a guest on your property
Medical payments coverage Covers the medical expenses if a guest is injured on your property

Security First offers many endorsements, several of them particularly relevant to Florida residents.

  • Flood coverage
  • Water backup and sump overflow
  • Equipment breakdown
  • Identity theft
  • Dog liability
  • Personal injury
  • Increased replacement cost on dwelling
  • Scheduled personal property
  • Golf cart physical damage and liability
  • Screened enclosure/carport coverage
  • Increased special limits coverage

Availability

Security First home insurance is only available in Florida.

How Much Does Security First Home Insurance Cost?

The exact cost of Security First home insurance may vary depending on a variety of factors, including your property value, size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.

Discounts

Security First offers several standard discounts.

  • Policy holder 55+
  • Secured community
  • Roof shape
  • Indoor sprinkler system
  • Wind-resistant home features
  • Central burglar alarm
  • Age of construction
  • Central fire alarm

Reviews of Security First Insurance

Security First is accredited by the Better Business Bureau and holds an A+ rating from the organization. See what some reviews say about the company.

Gary S. said:

“Excellent dealing with them to have my roof replaced that was damaged by a wind storm. Easy and fast.”

Randall E. said:

“Security First will claim that you have ‘Deferred Maintenance.’ This designation will be made without a proper inspection of the damage. Your policy will be useless. Is it a legal policy to publically sell, Yes. Will it cover your home, No. They will collect your premiums for years, and when a hurricane hits your house, they will use every ‘exclusion’ in your policy to avoid permanently fixing your home... Run run run away from Security First. You’ve been warned.”

Comparison

See how Security First stacks up against some of its top competitors on key metrics.

Security First vs The Competition

Provider Security First Lemonade Amica®
Provider Security First Lemonade Amica®
Get a free quote Not available through This Old House Visit Site Not available through This Old House
Our score 81.25 83.50 96.60
State Availability 1 23* 47 (not available in AK, FL, or HI)
BBB Rating A+ B+ A+
Years in Business 16 6 114
24/7 Claims Service by Phone X
Protective Devices/Safety Features Discount
Bundling Discount X
Mobile App

*Lemonade home insurance is available in AZ, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI

Our Conclusion

Security First offers solid home insurance coverage, including all industry-standard protections alongside many endorsements. Some endorsements are common, while others are more specific to Florida, like coverage for golf carts and screened enclosures.

Unfortunately, Security First is only available in Florida, has only existed for 15 years, and does not offer 24/7 customer service by phone. We give Security First an overall score of 81.25.

To ensure you find the right provider for your needs, we recommend getting quotes from multiple home insurance companies that serve your area:

Company Information

  • Company name: Security First
  • Company type: Private
  • CEO: Erasmo Ramos
  • Year founded: 2005
  • Headquarters: 1001 Broadway Ave, Ormond Beach, FL 32174
  • State availability: 1
  • BBB rating: A+

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

Is Security First a good home insurance company?

Security First offers solid home insurance in Florida, with standard coverage alongside many endorsements, some of which are especially relevant to Florida residents. However, it does not offer 24/7 customer service by phone.

Does Security First offer home insurance nationwide?

No, Security First currently only serves the Florida market.

What is not protected by most homeowners insurance?

Most home insurance providers, like Security First, do not include flood or earthquake coverage in their standard policies.

What does Security First home insurance cover?

Security First’s basic coverage includes the industry-standard protections—dwelling, other structures, personal property, liability, medical payments to others, and loss of use/additional living expenses.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.