Security First Home Insurance Reviews: What Current Customers Have to Say

Purchasing home insurance is one of the most important financial decisions a homeowner can make. The right home insurance policy provides financial protection in the event your home is damaged or destroyed.

When shopping for home insurance, it’s critical to research companies and read reviews from current policyholders. Reviews provide transparency into a company’s customer service, claims process and more.

In this article, we will share Security First home insurance reviews from two reputable sources: the Better Business Bureau (BBB) and Policygenius.

About Security First Home Insurance

Before diving into customer reviews, let’s provide some background on Security First Insurance:

• Founded in 1984 and offers home insurance in Florida.

• Rated A (Excellent) by A.M. Best, which evaluates a company’s financial strength and ability to pay claims.

• Offers competitive rates compared to other Florida home insurers. On average, Security First home insurance costs $721 per year while the state average is $2,551.

• Provides the ability to bundle home and auto insurance through affiliate, First Floridian Auto and Home Insurance Company.

• Policyholders can access customer service via phone, email, live online chat or by logging into their online account.

• Claims can be filed by phone, through their mobile app or submitting a claim form online.

Now that we’ve covered some key details on Security First Insurance, let’s look at feedback from customers at the BBB and Policygenius.

Security First Home Insurance BBB Reviews

The BBB allows customers to submit reviews and then grades companies from A+ to F based on their responses. Security First currently has an A+ rating.

Here are some highlights from Security First’s 25 BBB reviews:

Positive Security First Home Insurance Reviews

• ***** “Sophia was extremely helpful…I’m thankful that I have never filed a claim.”

• ***** This review is totally for a customer service rep I reached when I needed answers to my questions at Security First. Her name was Miranda (Maranda?) C. She was personable, charming, patient and very helpful.”

Negative Security First Home Insurance Reviews

• • “We received a check for a return on our insurance. We changed companies. They sent us a check and it BOUNCED TWICE.”
• • “I filled out a quote online and was approved. I called to complete the process, spoke to Mamie and was told $1800 – but need an updated wind mitigation and four point inspection, that paying that $175 would save me a lot of money. So I did, and I’m out $175 because when I called again to complete the process, the rate changed from $1800 to $2500.”
• • “We wish we could give this company a negative score. Absolutely the worst company please do not use them. Our roof was damaged by a hurricane – first they said we will cover complete roof replacement. Now they are paying NOTHING.”

Security First Responses to Negative Reviews

Security First Insurance responded to every negative review on their BBB profile. They provided context around the situation and offered resolutions when appropriate.

For example, in response to a review about a denied roof claim, Security First stated:

“Security First regrets that our customer is not satisfied with our decision regarding the coverage provided by this policy. We investigated this loss when it was first reported following Hurricane Irma and determined that the storm did not cause damage to our customer’s roof, but that interior water damage from the storm-related rain did result in covered damage. We extended coverage regarding the interior damage, but the total cost of covered repairs did not exceed the hurricane deductible amount chosen for the policy.”

Transparent communication is a sign of a reputable insurer. While no company is perfect, Security First aims to clarify issues and reach resolutions with homeowners.

Security First Home Insurance Policygenius Reviews

In addition to BBB reviews, we looked at feedback on Policygenius, an insurance quotes and comparison platform. Their team of experts reviewed Security First Insurance and gave them 4.1 out of 5 stars.

Here is a snapshot of their Security First home insurance review:

Pros

• Rates are 217% cheaper than the Florida state average
• Multiple available discounts to help you keep your rates down
• Will insure homes that are more than 30 years old

Cons

• Receives significantly more customer complaints compared to other comparable insurance companies in Florida
• Doesn’t give you the options of bundling home and auto insurance

The Bottom Line

“Security First Insurance offers some of the cheapest home insurance policy options in Florida, along with a variety of discounts to lower your rates even further. Considering the dicey financial situation many home insurers are facing in Florida, Security First’s financial stability makes them an attractive option for Florida homeowners.”

The Policygenius review provides a balanced perspective on Security First. They highlight competitive pricing and financial stability as advantages. The cons mention elevated complaints and no bundled policies.

Still, their bottom line feedback is that Security First remains a cost-effective option for Florida homeowners despite drawbacks.

Key Takeaways from Security First Home Insurance Reviews

After reviewing 25+ customer reviews between BBB and Policygenius, here are the key takeaways on Security First home insurance:

Pros

• Competitive pricing, averaging $721 per year
• Variety of discounts to lower premiums
• Will insure older homes
• Responsive customer service department
• Financially stable, rated A by A.M. Best

Potential Cons

• Some complaints around poor claims experiences
  -Instances of unsatisfactory customer service
• No option to bundle home and auto insurance

Considerations

• Weigh pricing and financial stability vs. potential claims and customer service frustrations
• Ask about any home insurance discounts you may qualify for
• Get quotes from multiple insurers before deciding

While Security First offers affordable rates, you may deal with some drawbacks when it comes to claims and customer service. Compare quotes and look for a carrier that balances price and reputation.

How to Get a Security First Home Insurance Quote

If you want to get a home insurance quote from Security First Insurance, you have a couple options:

• Online: Visit their website and enter your address to get an instant quote.

• Over the phone: Call 877-333-9992 and speak with an agent to receive a quote.

When getting a quote, consider increasing your deductible to lower your premium. Also ask the agent what home insurance discounts you may eligible for to reduce your rate.

Find the Best Home Insurance for Your Needs

The best home insurance company for you provides the right balance of affordable pricing and strong service. While Security First offers low rates, make sure to compare quotes from multiple insurers. Look at what coverage is offered, discounts provided and get feedback from current customers.

Shopping around ensures you find an excellent match based on your budget and needs as a homeowner. And be sure to re-evaluate your home insurance each year at renewal to ensure it still fits your situation.

The Bottom Line: Security First Home Insurance Reviews

But we recommend comparing quotes to find the best value based on your priorities. There are affordable options with fewer customer complaints and more transparency. Leverage home insurance reviews as you shop policies to make the right decision.

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