Homeowners Insurance
Florida Coverage

An explanation of each type of coverage we offer on home insurance policies is provided below. For each coverage, the range or percentage offered by Security First Insurance Company is listed. We provide flexible options and allow you to select the coverage amount that's right for you.

Coverage for the structure of home

Coverage A

Your homeowners insurance policy provides coverage for damage to the structure—your home—in the event of a covered loss. This coverage is provided at Replacement Cost. This means that the structure of your home is valued using today's construction costs to rebuild or repair your home.

Dwelling (Coverage A) Limit: $100,000 ($125,000 minimum in coastal counties) to $1,000,000

Tip: The coverage amount that you need should include the full cost to rebuild your home. This is not the same as the real estate value of your home. Make sure your insurance agent fully understands the features of your home, so that you aren't paying for coverage you don't need and you have enough coverage to completely rebuild your home.

Coverage for other structures

Coverage B

Our Florida homeowners insurance policy provides coverage for “other structures” located on the residence's premises. For example: an unattached garage, gazebo, or in-ground swimming pool may be considered unattached structures. Of course, additional coverage may be requested for pool enclosures.

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

Coverage for your contents

Coverage C

Coverage C is available to repair or replace your personal belongings. Examples are furniture, clothing, television, stereo, and appliances. Our customers can choose any amount of contents coverage that they'd like applied to their policy.

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

Important Tips about Coverage C:

As you review coverage offered by other companies, check to see if replacement cost coverage for contents is available. If you do not purchase replacement cost coverage for contents, items that are lost, damaged, or stolen will be valued using actual cash value. The actual cash value is calculated using current market pricing minus the depreciation for age and/or normal wear and tear. The actual cash value is usually less than the cost to repurchase. Security First Insurance includes replacement cost coverage in our policies, so contents are valued brand new.

Coverage if your home is uninhabitable

Coverage D

If your home becomes uninhabitable due to a covered loss, our homeowners insurance policy provides coverage for the additional living expenses you and your family incur while you are living away from your home. This includes costs for a place to stay, food, and clothing.

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

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

Rather than providing you with a check that requires you to deposit at the bank and wait to receive reimbursement funds for additional living expenses, 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.

Coverage for personal liability
on your property

Coverage E

This coverage provides protection if someone were to file a lawsuit against you, claiming you caused them bodily injury or damaged their property. Liability 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.

Personal Liability Insurance (Coverage E) Limit: $100,000 - $500,000

Coverage for medical payments

Coverage F

Your homeowners insurance policy provides for medical payments to others (not living at your residence) if they are injured on or by your property, or as a result of you or a family member residing with you.

Medical Payments (Coverage F) Limit: $1,000 - $5,000

What amount of insurance coverage
is right for me?

Security First Insurance Company offers flexible options to all of our customers so they can find the right amount without paying for too much—or too little—insurance coverage.

A local insurance agent can guide you through the insurance buying process and take some of the guessing out of the process.

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