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
Carrier is a Florida-domiciled homeowners writer focused on admitted HO-3 business for 1–2 family owner-occupied dwellings. PREFERRED / TARGET RISKS - Florida primary, owner-occupied one- or two-family dwellings written on HO-3 form within filed Protection Classes and construction/age parameters. - Coverage A generally $150,000–$1,000,000 in coastal counties and $125,000–$1,000,000 elsewhere; risks within these binding limits can typically be bound without referral when all standard eligibility questions are satisfied. - Standard construction (typically frame/CB/stucco) with acceptable roof condition and no unusual liability exposures beyond normal residential use. - Risks with clean recent loss history (especially no large non-cat losses); hurricane losses are typically evaluated separately from non-cat losses per company materials. RESTRICTED / REFERRED RISKS - Any HO-3 risk with Coverage A outside the standard binding range (over $1,000,000 or below minimum thresholds) requires underwriter review and may need supporting documentation such as an appraisal; allow at least 10 days for high-value review. - Risks that trigger system referrals in CARINA (e.g., non-standard prior insurance situations, gaps in coverage, unusual characteristics) must not be bound until cleared by a regional underwriter; producer should fully complete the application, upload documents, then call/email underwriting for a decision. - Prior insurance marked as “Other” or indications of going without coverage for a period of time will generate referral and cannot be bound without explicit underwriting approval. DECLINED / INELIGIBLE CLASSES (TYPICAL FOR HO-3 PROGRAM) - Dwellings failing minimum construction, occupancy, maintenance, or roof-condition standards detailed in the HO-3 underwriting manual (e.g., severe deferred maintenance, unsafe conditions, or uncorrected hazards). - Accounts with unacceptable plumbing or similar systemic hazards as detailed in ineligible-risk matrices (e.g., certain problem piping types), or where underwriting manuals list the risk as ‘Ineligible’ for homeowner forms; some may be considered only under separate Dwelling Fire or specialty programs if available. - Properties with extreme liability hazards or unusual commercial exposures on premises that fall outside the carrier’s residential guidelines. GEOGRAPHIC NOTES - Florida-only homeowners writer; appetite is statewide, including coastal and panhandle counties, but subject to county-by-county and distance-to-coast eligibility, construction, and minimum Coverage A rules shown in the HO-3 manual and rate/eligibility tools. - Coastal counties have higher minimum Coverage A (commonly $150,000) and may have additional roof age, wind-mitigation, or inspection requirements. SUBMISSION & BINDING EXPECTATIONS - Agents rate and submit through the CARINA platform; all data must be entered accurately and completely before requesting underwriting exceptions or approvals. - Follow the Voluntary Homeowners Program manual for binding authority limits, required coverages, and documentation; do not bind any risk that exceeds manual limits or triggers an underwriting referral until cleared. - For high-value homes (Coverage A above standard limits) or other non-standard risks, complete the application in CARINA, gather supporting documents (photos, inspection reports, appraisals as requested), and contact underwriting; allow at least 10 days for review. - Prior carrier information must be specific (e.g., new purchase, first-time buyer, or lapse explanation) and not listed as “None/N/A”; lapses or coverage gaps generally require underwriter approval and may not be bindable. BROKER / PRODUCER NOTES - Access to write business requires a producer agreement and appointment with Security First; prospective agents submit producer information, signed agreement, W-9, and E&O certificate through the producer/agent onboarding pages. - Agents are expected to rely on the online agent portal for current eligibility manuals, ineligible-risk lists, and quick-reference guides; any risk that does not clearly meet published eligibility should be referred to the regional underwriter for guidance before binding. - Company indicates a willingness to consider exceptions on otherwise strong risks that fall slightly outside guidelines, but only with documented underwriter approval; conversely, technically eligible risks may still be declined if overall hazard is excessive.