Homeowners Premier Insurance

Get What You’ve Earned
Rewarded with Benefits

Coverage enhancements, such as higher special limits for certain classes of Personal Property and Personal Injury coverage, come included in this policy.

No Extra Costs

Our Premier policy covers lost or misplaced items, such as jewelry, furs, and watches, at no extra cost—that’s more bang for your buck!

Exclusive New Coverage

Valuable additional coverages, such as coverage for refrigerated property and lock replacement, are also included in our Premier policy, giving you that extra peace of mind.

Florida Homeowners Insurance Coverage

Helpful information is included for each type of coverage to give you a better understanding of the flexible options we offer our customers.


Coverage A provides coverage for damage to the dwelling—your home—that is caused by a covered peril. The dwelling is insured for its replacement cost value, which is the amount that it would cost to rebuild your home if you incurred a total loss. This means that the structure of your home is valued using today's construction costs to rebuild or repair your home. The replacement value is not the same as the real estate value of your home.

Dwelling (Coverage A) Limit: $350,000 - $2,000,000

Our Florida homeowners insurance policy provides coverage for “other structures” located on the premises, which are set apart from the dwelling by clear space or connected to the dwelling by only a fence, utility line, or similar connection. A few examples of an “other structure” include an unattached garage and an in-ground swimming pool. Additional coverage may be requested for the swimming pool’s attached aluminum screened enclosure.

Other Structures (Coverage B) Limit: 2% to 70% of Coverage A

Coverage C is available to repair or replace your personal property. Our Premier program includes replacement cost coverage, which means there is no deduction for depreciation. Certain classes of property such as furs, jewelry, and silverware have a set limit of coverage.

If you own items with a value higher than the special limit that is included in our Premier Homeowners policy we have an optional Scheduled Personal Property endorsement that can be added to the policy to insure those items at their appraised value.

Personal Property (Coverage C) Limit: 0% - 75% of Coverage A

Tip: Some companies do not include replacement cost on personal property; which means those items are covered for their depreciated value rather than the replacement value. Our Homeowners Premier policy includes replacement cost coverage for your personal property. Without this coverage, items are valued at their depreciated value, which is less than full market value and more like the value you’d receive for items if they were sold at a garage sale. 

If your home becomes uninhabitable due to a covered loss, our homeowners insurance policy provides coverage for the additional living expenses you incur so that your household can maintain its normal standard of living. This includes costs for a place to stay, food, and clothing.

Loss of Use (Coverage D) Limit: 10% of Coverage A

We understand the importance of having immediate access to the funds you need for your additional living expenses, which is why we provide our customers with a pre-paid debit card that they can begin using right away once activated. This eliminates the hassle of depositing a check and allows our customers to withdraw cash immediately. This is one of the many solutions we've put in place to improve the customer experience with Security First Insurance.

Tip: Make sure you keep all your receipts so that you can be sure to receive the correct reimbursement.

This coverage provides protection if someone were to file a lawsuit against you, claiming you caused them bodily injury or damaged their property. Liability coverage can protect you in situations that may be unforeseen, such as a friend twisting their ankle on a loose step. Liability coverage also covers certain defense costs—even if the lawsuit filed against you is false, groundless or fraudulent. However, it does not cover liability losses caused by any animals you own or keep.

An optional Dog Liability Coverage endorsement is available to cover bodily injury and property damage caused by dogs you own or keep (certain restrictions apply).

Personal Liability Insurance (Coverage E) Limit: $100k, $200k, 300k, $500k, or $1M

Coverage F provides coverage for the necessary medical expenses that are incurred by others (not living at your residence) if they are injured on or by your property, by an animal you own or keep, or as a result of you or a family member residing with you.

Medical Payments (Coverage F) Limit: $1,000, $2,500, $5,000, or $10,000

What's the difference between HO3 and HO5?

Some optional coverages that can be added to our Signature policy (HO3) are included in our Premier policy (HO5).




Cost to Rebuild

$350k -

$200k -

Coverage C Increased Special Limits



Equipment Breakdown + Service Line



Special Personal Property



Personal Injury Liability



Food Spoilage



Lock Replacement





Optional Coverages

These optional coverages may be added to further enhance your Premier policy:

  • Flood Coverage (Read More)
  • Scheduled Personal Property
  • Identity Theft Protection & Monitoring 
  • Golf Cart Physical Damage and Liability
  • Hurricane Screened Enclosures & Carport
  • Dog Liability


Better Coverage Awaits You

Call us today to see if you qualify for this exclusive policy that can save you money!