Security First Insurance Company is a Florida-based homeowners insurer. Asshield™ is an independent agency in Fort Walton Beach that quotes Security First alongside other carriers, so you can see a Security First option next to others for the same property. Security First describes its capacity as open across most of Florida; eligibility still depends on the county, the home, and its roof.
Which Security First policy fits?
Security First offers several policy forms. Here's a plain-English summary:
| Security First policy | Who it fits | Airbnb / VRBO |
|---|---|---|
| Signature+ (HO-3) | Your primary residence | Not listed for short-term rental |
| Premier (HO-5) | Higher-value homes | Not listed for short-term rental |
| Condo (HO-6) | Condo unit owners, including long- and short-term rentals | Airbnb and VRBO listed; two-night minimum; condotels excluded |
| Dwelling Landlord (DF3-DL) | 1–4 family rental homes | Airbnb and VRBO listed; two-night minimum; condotels excluded |
| Dwelling Owner (DF3-DO) | Owner-occupied homes that want à la carte coverage, including some older roofs | Ask us; we don't quote it as a short-term rental form |
| Dwelling Basic (DF1) | Homes that may not fit other forms: vacant, foreclosure or short-sale purchases, certain prior losses | Airbnb and VRBO listed; two-night minimum; condotels excluded |
| Renters (HO-4) | Tenants' belongings and liability | Not applicable |
Renting it out? Long-term and short-term rentals
Security First's comparison table lists Airbnb and VRBO as eligible on three forms: the Dwelling Landlord (DF3-DL), Condo (HO-6), and Dwelling Basic (DF1). Each carries a two-night minimum stay, and condotels are excluded (Security First insurance products). Short-term rental isn't listed for the Signature+ (HO-3) or Premier (HO-5) homeowners forms, which are built for a home you live in.
Security First doesn't publish every short-term rental rule, such as limits on rental days or guest liability requirements, so we confirm the details for your property before you bind. Full-time or larger vacation rental operations may fit a specialty program better. See short-term rental and Airbnb insurance in Florida and landlord and rental property insurance (DP-3).
Flood is a separate policy
Security First's FAQ notes that you need a flood insurance policy for damage from floods or storm surge (Security First FAQs). We quote NFIP and private flood separately and can set both up in one conversation. See flood insurance.
Eligibility varies
Security First sets eligibility by county, roof age and type, construction, prior losses, and coverage amount. Have your roof year, wind mitigation report, and any four-point inspection ready.
How to get a Security First quote
- Call or text the Fort Walton Beach office at (850) 684-0164.
- Start an online quote and mention Security First.
- Tell us how the property is used: primary home, condo, long-term rental, or short-term rental.
Condo owners can also read our condo (HO-6) insurance guide, and Panhandle homeowners can see home and wind insurance on the Panhandle.
Subject to Security First Insurance Company underwriting. Coverage, eligibility and rates depend on Security First's underwriting and policy terms. Asshield™ is an independent agency; we are not Security First Insurance Company.
Questions we hear
Does Security First cover Airbnb?
Security First lists Airbnb and VRBO as eligible on its Dwelling Landlord (DF3-DL), Condo (HO-6), and Dwelling Basic (DF1) forms, with a two-night minimum stay. Condotels are excluded. Subject to Security First Insurance Company underwriting.
Does Security First write condos in Florida?
Yes, through its Condo (HO-6) policy, which covers your unit and belongings alongside the association's master policy. Eligibility varies.
Does Security First sell flood insurance?
No. Flood is a separate policy. We quote NFIP and private flood alongside Security First.
Is Security First available in the Panhandle?
Security First describes its capacity as open across most of Florida. Availability for a specific home depends on its county and eligibility, so call (850) 684-0164 and we'll check.
Are you Security First?
No. Asshield is an independent agency. We quote Security First and compare it with other carriers.
Educational only — not a quote, not legal advice, and not a coverage guarantee. Coverage, eligibility, and pricing are set by each carrier and vary by ZIP, property or driver details, and underwriting. Talk with a licensed Asshield™ agent about what fits your situation.
Ask us for a Security First quote
Call or text the Fort Walton Beach office, or start online. We'll compare Security First with other carriers for the same home.
Online quote Contact formCompetitive options from Security First and other carriers we compare
Start online or call (850) 684-0164. Subject to Security First Insurance Company underwriting.