Discover Security First Insurance: Affordable, Comprehensive, and Unique Coverage for Floridians

If you’re researching Security First Insurance for your Florida home, you’re probably comparing a quote, double-checking a carrier you already have, or trying to understand what makes this company different before you commit. Security First has been a fixture in the Florida homeowners market for two decades, and we can help you figure out whether it’s the right fit for your specific home.

Think Safe Insurance is an independent agency authorized to write Security First policies across Florida, including our local communities in Brandon, Valrico, Riverview, and Apollo Beach. We’ll put it side-by-side with our other Florida carriers so you’re deciding with the full picture — not just one quote.

Security First — A Real Florida Story

Security First Insurance was founded in 2005 by Locke Burt, a former Florida State Senator who served in office during Hurricane Andrew in 1992 — one of the most destructive storms in Florida history, and one that reshaped how the state thinks about property insurance. After leaving the Senate, Burt set out to build a carrier specifically designed around Florida’s risks, not a national company that happened to offer coverage here.

There’s a deeper family story here too: Burt’s own family has been in the insurance business for more than 100 years, tracing back through his great-grandfather. Today, Security First is headquartered in Ormond Beach, FL, is family-owned and operated, and has grown into one of the largest homeowners insurers in the state — insuring hundreds of thousands of Florida homes.

Is Security First Financially Stable?

Security First holds an A (Exceptional) Financial Stability Rating from Demotech, most recently affirmed March 23, 2026 — a rating it has maintained since opening its doors in 2005. That’s backed by more than $1 billion in reinsurance, giving the company real capacity to pay claims even after multiple storms hit in a single season. Security First is not currently rated by AM Best, which is common for a Florida-focused specialty carrier of its size. Ratings can change, so confirm current status with your agent before you buy.

Also worth knowing: Security First has filed several consecutive rate decreases as Florida’s insurance market has stabilized — a 5.2% reduction for Signature+ HO-3 policies in January 2026, an 8% decrease for legacy Signature HO-3 policies in December 2025, and a 16% average reduction for landlord policies in April 2026. That’s a meaningfully different trend than the rate increases many Florida homeowners got used to over the past several years.

HO-3 vs. HO-5: Why the Policy Type Matters With Security First

Most Florida homeowners policies are HO-3 — and Security First offers a solid one. But their Premier tier is actually an HO-5 policy, and the difference is bigger than it sounds. On a standard HO-3, your personal property (furniture, clothes, electronics — everything inside the home) is covered on a “named perils” basis, meaning only the specific causes of loss listed in the policy are covered. An HO-5 flips that: your personal property is covered on an “open perils” or “all-risk” basis, meaning it’s covered for everything except what’s specifically excluded — broader protection, by default.

Security First’s Premier (HO-5) policy sweetens the deal further: it bundles in Equipment Breakdown coverage and Service Line coverage at no additional cost — two add-ons that cost extra on most policies elsewhere. If you’re comparing quotes and only looking at the base premium, it’s easy to miss that a Premier HO-5 quote may already include coverage you’d otherwise be paying separately for on a different carrier’s HO-3. We’ll walk through both tiers with you so you can see exactly what you’re getting for the price, not just the sticker number.

What Insurance Does Security First Offer?

• Homeowners Insurance — HO-3, and Premier (HO-5) for broader open-perils protection
• Condo Insurance HO-6
• Renters Insurance
• Landlord Insurance (DF-1 and DF-3-DL), plus short-term rental insurance for hosts

Unique Coverages Worth Knowing About

• Equipment Breakdown Coverage: Covers up to $100,000 for sudden electrical, mechanical, or pressure-system breakdown to your home’s equipment — A/C systems, water heaters, refrigerators, pool equipment, home security systems, and more. Bundled at no extra cost on the Premier (HO-5) policy.
• Identity Theft Protection: Available for about $25/year, this includes credit monitoring and a dedicated recovery specialist through Security First’s protection partner if your identity is ever compromised.
• Service Line Coverage: Protects the underground water, sewer, electrical, and communication lines running into your home — a real gap in most standard policies, and one of the pricier repairs to pay for out of pocket if it’s not covered.
• Golf Cart Coverage: Physical damage and liability coverage for golf carts, a genuinely useful option for many Florida homeowners. If you need broader LSV or golf cart insurance outside a Security First policy, we write that too.

Filing a Claim With Security First

Security First’s claims team is available to help you get your home back to normal, and the company runs its own First Choice Repair Network of 150+ vetted, licensed Florida contractors if you’d rather not source your own. Call 877-333-9992 to report a claim, or file through their online claims portal. For identity theft claims specifically, call 800-676-5696 directly. Having your policy number ready will help speed things along, and we’re happy to help you navigate the process if you need support.

Why Florida Homeowners Work With Think Safe Insurance for Security First

We’re not limited to one carrier, and that matters here more than most places — Security First’s HO-3 and Premier (HO-5) tiers can price very differently depending on your specific home, and the right call isn’t always obvious from the outside. As your independent agent, we’ll run both options against your property and show you honestly which one makes more sense, plus how Security First compares to our other Florida carriers.

Whether you are insuring a home in Brandon, a newer build in Valrico, a townhome in Riverview, or a property near the water in Apollo Beach, we know how local wind-mitigation and flood factors influence your final rate. We’ll help you navigate the underwriting details so you don’t overpay.

Whether you’re comparing Security First for the first time or already have a policy and want a second opinion, call 813-425-1626 or request a quote online — let’s find the coverage that actually fits your home.

Security First Insurance FAQ

Is Security First Insurance financially stable?

Yes. Security First holds an A (Exceptional) Financial Stability Rating from Demotech, most recently affirmed March 23, 2026, backed by over $1 billion in reinsurance. It’s not currently rated by AM Best, which is typical for a specialty Florida carrier of its size.

What’s the difference between Security First’s HO-3 and HO-5 (Premier) policy?

The HO-3 covers personal property on a named-perils basis (only listed causes of loss). The Premier HO-5 covers personal property on an open-perils basis (everything except specific exclusions) — broader protection by default — and bundles in Equipment Breakdown and Service Line coverage at no extra cost.

Does Think Safe Insurance write Security First policies?

Yes. Think Safe Insurance is an independent agency authorized to write Security First policies in Florida, and we can also compare Security First against other carriers we work with.

Are Security First’s rates going up or down in 2026?

Down. Security First filed a 5.2% decrease for Signature+ HO-3 policies in January 2026, an 8% decrease for legacy Signature HO-3 policies in December 2025, and a 16% average decrease for landlord policies in April 2026.

Does Security First offer golf cart insurance?

Yes, as an add-on providing physical damage and liability coverage for golf carts. If you need a standalone LSV or golf cart policy outside of Security First, Think Safe Insurance writes those as well.

How do I file a claim with Security First?

Call Security First directly at 877-333-9992, or file through their online claims portal. Identity theft claims go through a dedicated line at 800-676-5696. Having your policy number ready will help speed things along.

 
 
 
 
 
 
 
  
 
 
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Greg at Think Safe Insurance is outstanding. If you're looking for someone who will take the time to understand your needs, explain your options, and find the right coverage at a fair price, Greg is the person to call. I met with Greg about six months ago after my auto insurance rates increased significantly. He carefully reviewed my policies and was able to save me hundreds of dollars per month while maintaining the same coverage on my two vehicles and motorcycle. The process was simple, straightforward, and completely stress-free. What impressed me most was Greg's knowledge, honesty, and willingness to help. He wasn't trying to sell me a policy—he was focused on finding the best solution for my situation. He answered all my questions, explained my options clearly, and made sure I understood exactly what I was getting. If you need auto, home, motorcycle, or other insurance coverage, I strongly recommend Greg and Think Safe Insurance. After seeing the results firsthand, I won't shop insurance on my own again—I'll let Greg handle it!
  
 
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Great company to work with. Professional at every level and quite thorough.  Hope I never have a claim but if I do, I hope they handle it the same way they did to earn my business.
  
 
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Mr Martin was phenomenal in assisting us with our homeowner and car insurance coverage. He went above and beyond to assist us!!!! I've dealt with other insurance agencies in the past,  but Mr Martin @ Think Safe Insurance met my expectations in so many ways. I HIGHLY recommend Think Safe Insurance Agency for your insurance needs! KEEP UP THE GOOD WORK MR. MARTIN!!
  
 
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Great service. I wouldn't trust my personal insurance needs with anyone else.
  
 
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Knowledgeable agent, smooth process and the right product at a good price
  
 
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Efficient and pleasant to deal with
  
 
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I'm no insurance specialist and never considered using one, I've always shopped around and never managed to still find superior coverage for a reasonable price. Greg assisted me in finding not only an incredibly priced policy but my coverage is x3 better than my overpriced State Farm policy... what a scam these companies are. Protect yourself against being taken advantage of, you have one body. I'm glad I have Think Safe to guarantee I know I'll be taken care of
  
 
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Great individual service
  
 
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Reviewed by Greg Martin Licensed Florida Insurance Agent, License #P036341 Greg Martin has over 18 years of experience helping Brandon, Valrico, and greater Hillsborough County families navigate home, auto, and flood insurance in Florida. He is the owner of Think Safe Insurance. Read Greg’s full bio →

Last Reviewed: July 2026