Security First Offered New Bundling Discount in Florida
Florida homeowners with Premier HO5 policies can now save up to 3% on insurance premiums by bundling their auto coverage.
Updated on Oct. 6, 2026 in Insurance
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Security First Insurance has launched a new bundling program for Premier HO5 policyholders in Florida. The update allows eligible homeowners to secure a discount on their property insurance premiums by using the same independent agent for both home and auto policies.
Why it matters
This initiative provides a path for policyholders to lower their annual insurance costs without sacrificing coverage levels. The change follows feedback from independent agents who sought additional ways to offer competitive pricing to their clients.
Approximately 26,000 homeowners are now eligible for a 3% discount on their all-other-perils premiums. Security First currently maintains 157,986 policies in force across Florida, holding the 13th-largest market position in the state.
The players
Security First Insurance
An Ormond Beach-based provider of residential property coverage that manages over 150,000 policies across Florida.
The details
The discount is activated when a homeowner consolidates their property and auto insurance lines under a single independent agent. This program specifically targets holders of Premier HO5 policies, offering the incentive to lower total out-of-pocket costs. By integrating these services, the insurer aims to leverage agent-led partnerships to reduce premiums while maintaining existing policy protections.
Timeline
The bundling plan became available during the week prior to October 6, 2026.
Changes for Premier HO5 policyholders took effect on October 1, 2026.
Security First reported 157,986 policies in force as of the end of June 2026.
Money Landscape
This move reflects the competitive nature of the Florida insurance market as providers search for ways to manage client costs. It follows a broader industry pattern of using bundling discounts to improve affordability and retention for policyholders.
Homeowners currently holding a Premier HO5 policy should contact their independent agent to see if bundling their auto coverage qualifies them for the 3% premium reduction. Review your current premium declarations to compare potential savings against your existing policy costs.
The takeaway
Bundling policies can be an effective way to lower total household insurance expenses in the current Florida market. Ask your independent agent to perform a coverage audit to determine if consolidating your policies provides a net financial benefit.
Further reading
For more information on managing your coverage, visit our Insurance section.
Source note: This article includes information reported by Insurance Journal.
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