In This Review: Our Take | Pros and Cons | Cost and Discounts | CoverageCustomer Reviews | Conclusion | Comparison | Company Information | FAQ | Methodology

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.

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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

ProsCons
Comprehensive coverageOnly available in Florida
Less common endorsementsNo 24/7 customer service by phone
A+ BBB rating

 


 

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

 


 

Coverage

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

Security First Home Insurance Coverage

Coverage TypeDescription
DwellingCovers the cost of repairing or rebuilding your home’s exterior and interior structure in the event of a covered loss
Other structuresCovers the cost of repairing or rebuilding detached structures like a garage or shed in the case of a covered loss
Personal propertyCovers 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 expensesCovers the costs associated with living outside of your home due to covered damage or destruction, including accommodation and dining
Personal liabilityCovers legal fees if you are sued for injury or personal property damage to a guest on your property
Medical payments coverageCovers 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

 


 

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.”

 


 

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:

Compare Homeowners Insurance Policies
Answer a few simple questions and we'll take care of the rest.

 


 

Comparison

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

Security First vs The Competition

ProviderSecurity FirstLemonadeAmica®
Get a free quoteNot available through This Old HouseVisit SiteNot available through This Old House
Our score81.2583.5096.60
State Availability123*47 (not available in AK, FL, or HI)
BBB RatingA+B+A+
Years in Business166114
24/7 Claims Service by PhoneX
Protective Devices/Safety Features Discount
Bundling DiscountX
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

 


 

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+

 


 

Frequently Asked Questions about Security First

 


 

Our Methodology

The This Old HouseReviews team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau (BBB) ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

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.

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