Security First home insurance coveragesĬovers damage to the structure of your home for a covered loss at replacement costĬovers damage to other structures on the premises, like a garage or shedĬovers damage or theft of the contents of your home at replacement costĬovers the costs of staying elsewhere if your home is temporarily uninhabitable, such as room and board Offering this type of coverage for personal belongings is especially rare, and it means Security First provides ample coverage - up to the limits of your policy - if your home contents are destroyed in a covered peril. Replacement cost coverage means that you will be reimbursed for damage to your home and belongings at their current prices, ignoring wear and tear.
One standout feature in the Security First offering is the inclusion of replacement cost coverage for both the structure of your home and your personal belongings. If you have a high-value home, you should note that coverage for the structure of your home under Security First has a maximum limit of $1 million. As the table below illustrates, its policies generally cover the same items as other homeowners insurance offerings: your dwelling and other structures, personal belongings, additional living expenses and liability costs. The Security First homeowners insurance policy offers fairly typical coverage for home insurance. Security First home insurance: Policy coverage You should be aware that the calculator doesn't represent a guaranteed premium, and the company will email you with follow-up questions before providing a finalized rate. The calculator can even be used to estimate how your premium will change with different deductibles. By entering details about your house - for example, location, square footage and wind-resistant features - you can obtain a rough estimate of your Security First annual premium. One benefit of looking into a Security First policy is that you can get an instant quote on its website and find prices for yourself. However, remember that insurance rates will differ for every home based on storm risk, your own claim history and other factors, so the only way to find your best price is to get a quote yourself. That's 67% cheaper than the average price we found and less than half as much as the next-cheapest option, Tower Hill. Security First annual premiums were consistently the lowest we found in the state.įor example, Security First offered our sample homeowner a policy including $214,000 of dwelling coverage for just $455 per year. Security First rates are exceptionally affordable when measured against top Florida homeowners insurers. Security First home insurance quote comparison If you're a home insurance shopper in Florida, Security First is the cheapest option but may not be the best. Security First also rates as a financially strong insurer: It received an "A" rating from Demotech, an agency that rates the financial stability of insurers and other companies.īottom line: The Security First homeowners insurance offering is impressively affordable, but its poor customer service reputation keeps us from recommending it wholeheartedly. Additionally, much of the claims process can be handled electronically through its mobile app. Its website has a useful quote calculator that can get you a price estimate within minutes, adding transparency to the buying process. The company is technologically sophisticated for a regional insurer, too.
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On the plus side, the company's policies provide home insurance coverage with some added bonuses, such as replacement cost coverage for damage to your home and belongings. Indicative of its poor reputation, Security First has among the worst customer complaint numbers of any of the major insurers in the state.
Reviews of the company's customer experience cite poor responsiveness and a lack of clarity from the company on policy coverage.
But its great prices are marred by the fact that it has very poorly rated customer service. Security First offers impressively affordable homeowners insurance coverage catered to the Florida market.
Security First home insurance: Our thoughts
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