Customer Portal Agent Portal Insurance Claims Customer Resources About Contact Us Breadcrumb Insurance Products Homeowners Premier Insurance Florida Homeowners Insurance Our Homeowners Premier policy (HO5) provides more coverage for less. So how is this deal so good? We'll be honest, this coverage isn't for everyone—this exclusive HO5 policy is catered to Florida homeowners who have a home value of $350,000 - $2 million and an excellent credit rating! Our HO5 policy includes coverage for loss of personal property by misplacing or losing it and includes our Equipment Breakdown and Service line coverage. Call (866) 999-5545 for a Quote Perks Get What You’ve Earned Rewarded with Benefits Coverage enhancements, such as higher special limits for certain classes of Personal Property and Personal Injury coverage, come included in this policy. No Extra Costs Our Premier policy covers lost or misplaced items, such as jewelry, furs, and watches, at no extra cost—that’s more bang for your buck! Exclusive New Coverage Valuable additional coverages, such as coverage for refrigerated property and lock replacement, are also included in our Premier policy, giving you that extra peace of mind. Florida Homeowners Insurance Coverage Helpful information is included for each type of coverage to give you a better understanding of the flexible options we offer our customers. Coverage for the Structure of Your Home (Coverage A) Coverage for Other Structures (Coverage B) Coverage for Your Contents (Coverage C) Coverage if Your Home is Uninhabitable (Coverage D) Coverage for Personal Liability on Your Property (Coverage E) Coverage for Your Medical Payments (Coverage F) Coverage A provides coverage for damage to the dwelling—your home—that is caused by a covered peril. The dwelling is insured for its replacement cost value, which is the amount that it would cost to rebuild your home if you incurred a total loss. This means that the structure of your home is valued using today's construction costs to rebuild or repair your home. The replacement value is not the same as the real estate value of your home. Dwelling (Coverage A) Limit: $350,000 - $2,000,000 Savings and Discounts We want to be upfront about potential savings options and discounts available to you. On top of the premium credit this policy already provides for good credit, there are even more ways to keep money in your pocket. See Discounts What's the difference between HO3 and HO5? Some optional coverages that can be added to our Signature policy (HO3) are included in our Premier policy (HO5). Premier (HO5) Signature (HO3) Cost to Rebuild $350k - $2M $200k - $1M Coverage C Increased Special Limits Included! Add-on Equipment Breakdown + Service Line Included! Add-on Special Personal Property Included! Add-on Personal Injury Liability Included! Add-on Food Spoilage Included! Excluded Lock Replacement Included! Excluded Optional Coverages These optional coverages may be added to further enhance your Premier policy: Flood Coverage Scheduled Personal Property Identity Theft Protection & Monitoring Golf Cart Physical Damage and Liability Hurricane Screened Enclosures & Carport Dog Liability Better Coverage Awaits You Call us today to see if you qualify for this exclusive policy that can save you money! (866) 999-5545 Back to Top About Careers Community Involvement Newsroom facebook twitter pinterest linkedin YouTube ©Security First Insurance Company Terms of Use Privacy Policy