Security First announces 2nd year of rate cuts

Security First Insurance  is cutting rates for the second year in a row, with an 8% statewide decrease on its Signature HO3 homeowners policy effective December 18, 2025. The reduction follows last year’s 5.2% decrease and will benefit over 50,000 Florida policyholders.

The company has also lowered rates across other products—3% for condos and 5% for renters—and introduced discounts of up to 20% on new homes insured under its Signature+ HO3 and Premier HO5 products.

Security First has not raised rates since 2023, making it one of the few Florida insurers consistently offering relief. The company continues to expand coverage options, including limits up to $5 million and customizable hurricane deductibles starting at $500.