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
Florida-focused personal residential property writer. Current official website shows an expanded home product suite beyond standard Home/HO3, including HO5, HO3, DF1, DF3-DO, HO6, HO4, and DF3-DL, and states it can quote 95% of Florida homes, with location restrictions possible. The verified underwriting manual on file is the Voluntary Homeowners Program HO3 manual; the searchable PDF table of contents confirms core eligibility sections for ineligible risks, occupancy/use, roof, plumbing system, age of home for water damage coverage, townhouse/row house, unusual or excessive liability exposures, inspections, prior insurance, catastrophe binding suspension, prior cancellation/nonrenewal, and binding authority limits. Operationally, preferred business is Florida owner-occupied personal residential property that fits standard HO3/HO5 eligibility, with underwriting attention to roof condition/age, plumbing type and updates, occupancy/use, liability exposure, and prior insurance history. Restricted or likely declined classes for the HO3 program are those falling into manual ineligible-risk categories, nonstandard occupancy/use, problematic or aged roof/plumbing characteristics, unusual/excessive liability exposures, and risks subject to catastrophe binding restrictions; exact declinations should still be confirmed in the PDF/manual because the full document could not be fetched line-by-line from the agent host. Product pages indicate Security First uses other forms for harder-to-place property characteristics: the DF1 program is marketed for Florida homes that may be ineligible for other policy types, including open foundation risks and certain rental exposures, while the broader website also highlights condo, renters, landlord, and high-value homeowners options. Geographic notes: business is Florida-only; public agent-facing pages state open capacity across most of the state, but also note location restrictions may apply, and product pages reference county-specific minimum Coverage A thresholds on some forms. Submission and producer notes: agents can use the public Quick Quote and Agent Portal links, new appointments route through a producer form or territory manager, and Security First requests a signed Producer Agreement, W-9, agency principal license number, and IVANS download Y-account information on its producer intake form. Agency support is centralized through Agency Resources and Territory Managers, with separate sales and underwriting/general inquiry contact options published. Practical takeaway: place standard owner-occupied Florida homes into HO3/HO5 when roof, plumbing, occupancy, and liability profile fit; consider alternate Security First forms for condos, renters, landlord/dwelling fire, or nonstandard residential risks; verify any coastal/cat exposure holds, prior insurance issues, and exact ineligible-risk details directly against the current HO3 manual before binding.