Security First reduces Florida landlord rates

Security First Insurance  announced enhancements to its Dwelling Landlord (DF3-DL) product, including an average statewide rate decrease of 16% for new and renewal business effective April 13, 2026, impacting approximately 17,803 Florida landlords.

The update expands eligibility and coverage options, including short term rental eligibility with minimum stays of two nights, additional coastal capacity aligned with the company’s HO3 and HO5 products, and a disappearing deductible that reduces AOP and water deductibles by 20% for each consecutive claims free year. New discounts are available for military members, first responders, multi property and multi policy customers, protective devices, and water leak detection systems, while limited water damage limits have been expanded up to $50,000 subject to underwriting. Some areas in South Florida remain closed for wind coverage.

“These enhancements are another example of how Security First is bringing solutions and lower rates to Floridians. Offering a wide variety of products, backed by superior customer service, gives us the flexibility to reward responsible ownership and expand coverage opportunities.” – Melissa Burt DeVriese, president of Security First Insurance.