Dwelling Basic
Storm after storm, year after year®, we are here for you. We have options for every homeowner.
Dwelling Fire Basic Insurance
Our Dwelling Fire Basic (DF1) program is referred to as à la carte because it offers you flexibility. It includes coverage for your home and allows you to customize the rest of your policy. All other coverages are optional, so you’re only paying for what you need. Our Dwelling Fire Basic program is for Florida homes with characteristics that may be ineligible for our other policy types.
If your home is vacant or unoccupied, purchased through foreclosure or short sale, or has certain prior losses, it may be eligible for this program. Contact your Security First Insurance agent for more information or to find out if you’re eligible.
Dwelling Fire Basic Insurance Coverage Includes
Dwelling Fire Basic is one of many insurance options available to insure your home, including Homeowners, Dwelling Fire Owners, and Dwelling Fire Landlord.
DF1 Coverage for the
Structure of Your Home
A Dwelling Fire Basic policy provides coverage for damage to the structure—your home—in the event of a covered loss. Coverage A provides coverage for the structure of your home and is settled on an actual cash value (ACV) basis. ACV is calculated using the cost to repair or replace the property covered by the policy minus the depreciated value. The depreciated value is calculated using several factors including the age of the property and condition. Actual cash value is usually less than the cost to repurchase something brand new. If you would like to cover your property for the full cost to replace it, Security First offers the option for you to purchase Replacement Cost Loss Coverage (RCE) that can be added to the policy for an additional premium.
Dwelling (Coverage A) Limits: $50,000 – $1,000,000
DF1 Coverage for
Other Structures
Our Dwelling Fire Basic policy offers coverage for “other structures” located on the residence premises. For example: a detached garage or a shed may be considered an “other structure.”
Other Structures (Coverage B) Limits: 0% to 20% of Coverage A
DF1 Coverage for
Your Contents
If chosen, your personal belongings are covered on an actual cash value basis if the dwelling suffers a covered loss. Some examples of the contents you may elect to cover are furniture and appliances.
Personal Property (Coverage C) Limits: 0% to 70% of Coverage A
DF1 Coverage if
Loss of Use
Loss of Use is an optional coverage that covers you if your home becomes uninhabitable due to a covered loss. If a named insured is occupying the home at the time of loss, Coverage D pays for the additional living expenses you incur while the home is uninhabitable. This includes costs for a place to stay, food, and clothing.
If a tenant is occupying the home at the time of loss, Coverage D pays for the loss of rental income you incur while the home is uninhabitable.
Coverage Limits: 0% to 10% of Coverage A
DF1 Coverage for
Personal Liability on Your Property
This coverage provides protection if someone were to file a lawsuit against you, claiming you caused them bodily injury or damaged their property. Liability can protect you in situations that may be unforeseen, such as a friend twisting their ankle on a loose step. Liability coverage also covers certain defense costs—even if the lawsuit filed against you is false, groundless or fraudulent.
Personal Liability (Coverage L) Limits: $0, $100,000, $200,000 or $300,000
Note: When the property on the policy isn’t your primary residence, or the title of the property is in the name of a Partnership, Corporation, LLC, Trust, or Estate, the Liability Coverage is restricted to incidents that occur at the insured property. This is known as Premises Liability.
DF1 Coverage for
Medical Payments
This coverage is paired with Personal Liability coverage to provide medical expense coverage to others (not living at your residence) who are injured on your property, or who incur injuries resulting from your personal activities.
Medical Payments (Coverage M) Limits: $0, $1,000, $2,500, or $5,000
Optional Add-Ons
- Aluminum Screened Enclosures & Carport
- Limited Water Damage Coverage*
- Replacement Cost Loss Settlement (Coverage A & B)
- Vandalism and Malicious Mischief
- Sinkhole Loss Coverage
*To qualify for Limited Water Damage Coverage the home must be 10 years old or newer, must not have polybutylene or galvanized steel plumbing and have no water losses in the past 3 years.
Compare Our Plans
Choosing the right coverage can be overwhelming with so many options available. Use the chart below to compare our most popular policies and find the one that fits your needs.
- Dwelling Basic (DF1)
- Landlord Flex (DF3-DL)
- Condo (HO6)
- Signature (HO3)
- Premier (HO5)
- Dwelling Flex (DF3-DO)
† Two-night minimum required (HO6, DF1)
‡ Four-night minimum required (DF3-DL)
† Two-night minimum required (HO6, DF1)
‡ Four-night minimum required (DF3-DL)
- Dwelling Basic (DF1)
- Landlord Flex (DF3-DL)
- Condo (HO6)
- Signature (HO3)
- Premier (HO5)
- Dwelling Flex (DF3-DO)
† Two-night minimum required (HO6, DF1)
‡ Four-night minimum required (DF3-DL)
† Two-night minimum required (HO6, DF1)
‡ Four-night minimum required (DF3-DL)
Additional Coverage Options
Our flexible coverage options, knowledgeable agents, and exceptional customer service ensure that you have the right coverage for your specific needs.
Premier Homeowners Insurance
Signature Homeowners Insurance
Condo Insurance
Dwelling Flex
Landlord Flex
Renters Insurance
Kudos From Our Customers
“An insurance company that actually cares about its customers. A true unicorn in the insurance industry. After hurricane Matthew, while other insurance companies were praying their phone’s didn’t ring, Security First was calling every single customer in the affected area and asking if they can help. True compassion.”
– Kenneth from Port Orange Florida
It’s so encouraging to see those that care about their customers and their clients here, trying to help them get a claim started and get their lives back in order.
I’ve been with Security First for about 10 years. I’m very happy with how the process is moving forward.
By that morning, I already had my claims number, they were already working on people to send out to take care of the tree, tarping the house, and getting an inspector … It’s been a real dream to work with them.
I wouldn’t use anyone else, honestly. It’s been a life-changing experience in terms of insurance.
They contacted us before the storm and after the storm to make sure that we were ok and had a place to go. We’ve recommended them to other people.
I can’t say enough about Security First Insurance. We have friends and family with other companies, and I don’t think they’ve had what we’ve had through every storm, and that means the world.
This is our third hurricane in 13 months, and Security First Insurance has been our homeowner’s insurance through all of them. I’ve had a really good experience.
I have the best insurance company in the state. I know I do. Security First has been a delight to work with. They’re simply the best.
I barely even have time to think about it, and I’m getting another contact from Security First about the next step in the process.
Security First has always come through. There’s security in Security First.
You hear a lot of nightmares with insurance companies, but this was not one of them. Thank you Security First.
I was shocked how quickly Security First reached out. So very happy we picked Security First for our home insurance.
Protect Your Home Today
We stand behind every policy we write, storm after storm, year after year®.
Our simple and convenient quote process makes it easy for you to get started. Take the first step towards protecting your most valuable asset by requesting a quote today.