Security First Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official carrier website and agent-facing underwriting manual. Current published guidance confirms Security First is a Florida-focused personal lines property carrier. Public site states it can quote about 95% of Florida homes, with location restrictions, and is actively seeking independent agent relationships. Core verified underwriting source is the Voluntary Homeowners Program HO3 manual, which appears to be the current agent manual on the carrier’s agent portal. Preferred business is owner-occupied Florida homeowners business written on HO3/Signature+ and higher-value HO5 opportunities where the risk qualifies; the public site also shows active support for condo, renters, and dwelling/fire-landlord forms. Geographic notes: Florida only; public agent materials indicate broad Florida appetite and specifically mention ability to write in the panhandle, but location restrictions apply and territory/mitigation/sinkhole factors are embedded in the HO3 manual. Restricted/declined classes are not clearly enumerated on the public-facing pages reviewed, so agents should rely on the HO3 manual and quote platform for exact eligibility by construction, age, protection class/territory, sinkhole/hurricane zone, occupancy, and mitigation characteristics. Submission/producer requirements: carrier uses a producer input form for agency onboarding, requesting agency/contact details, book profile, current carriers, premium volume, licenses, E&O information, and IVANS download details; agents must agree to the producer agreement. Notable producer notes: Security First states it is open for business and ready to grow, emphasizes Florida-based underwriting/service, a strong reinsurance position, and support through its First Choice Repair Network. Operationally, use the current HO3 manual as the controlling underwriting reference, confirm all risk eligibility in the quote system due to location restrictions and territory-driven factors, and use the producer/agent pages for onboarding rather than expecting a separate public appetite guide.