Security First Insurance Company filed a Voluntary Homeowners (HO-3) rate revision in Florida, proposing an overall -8.0% rate decrease, effective December 18, 2025. The filing, prepared by Davies Actuarial, Audit & Consulting, uses a “Use & File” method and reflects actuarially supported adjustments across the state.

The program covers 61,807 earned house years and $252.9 million in earned premium. The filing details reinsurance costs of 52.74% for hurricane coverage and 17.00% for non-hurricane coverage, with commissions at 24.85% and profit and contingency at 4.20%.

The rate change applies to Security First’s voluntary HO-3 program and excludes Citizens Property Insurance Corporation from competitive analysis.