Own a higher-value home in Port St. John, FL? Security First Premier (HO5) offers broader protection design for Florida homeowners. Learn the highlights and contact Kassy Mendez at 754-233-0637 on her cell or in the office @ 321-218-3880.
Security First Premier (HO5): Elevated coverage for Florida’s higher-value homes
If your home has higher-end finishes, upgraded systems, or a larger replacement cost, you may want a policy that matches the reality of what it would take to rebuild and replace what’s inside.
Security First’s Premier (HO5) is positioned as their top-tier homeowners policy for Florida homes in a higher value band (Security First describes it as generally for homes valued roughly $500,000 to $5 million, and not available everywhere).
What is an HO5 policy?
In general terms, an HO5 is considered a more comprehensive homeowners policy type because it typically provides open-perils coverage for both the dwelling and personal property (subject to exclusions/conditions). That means it’s designed to cover more scenarios unless specifically excluded. (As always: the exact coverage depends on the policy language, underwriting, and your home.)
Why Security First Premier HO5 stands out
1) Built for higher-value homes
Security First specifically markets Premier (HO5) to higher-value Florida homes and frames it as “elevated” protection.
2) Coverage enhancements included (as described by Security First)
Security First states Premier (HO5) includes coverage enhancements such as higher special limits for certain personal property categories and personal injury coverage.
3) Discounts and pricing initiatives for eligible homes
Security First announced that some newer homes built in 2024–2025 may qualify for discounts up to 20% on new Premier HO5 policies (effective Oct 17, 2025, per their announcement).
4) Repair network option with vetted Florida contractors
Premier policyholders can also benefit from Security First’s approach to repairs and claims support, including their First Choice Repair Network® (150+ vetted Florida contractors, per Security First).
Who in Port St. John should consider an HO5?
You may want to explore HO5 if you:
Have higher-value contents (furniture, electronics, collections, specialty items)
Prefer broader personal property coverage structure (open-perils, subject to exclusions)
Want a premium policy option intended for higher-value Florida homes
Quick FAQ: Security First Premier HO5
Is HO5 “better” than HO3? It can be broader in how it treats personal property (often open-perils vs named-perils), but “better” depends on your home, budget, deductibles, and risk tolerance.
Do I still need flood insurance? Often yes, because flood is typically separate from homeowners insurance. We’ll help you coordinate a clean plan.
Is Premier HO5 available for every Florida home? Security First notes it’s not available everywhere and is intended for certain home values.
Get a Premier (HO5) quote with Barefoot Insurance Brokers
If you’re curious whether Security First Premier (HO5) fits your home in Port St. John, FL (or anywhere in Brevard County), we’ll shop it correctly and explain the fine print in plain English.
Security First Signature+ (HO3): A Strong Fit for Port St. John, Florida Homeowners
If you own a home in Port St. John or anywhere across Florida’s Space Coast, you already know the weather doesn’t RSVP. When you want homeowners insurance that’s designed for Florida living, Security First Insurance is a Florida-based carrier that focuses specifically on protecting homes here at home. One of their standout homeowner’s insurance options is Signature+ (HO3), a modernized HO3 product designed to bring more flexibility, stronger protection, and savings to Florida homeowners.
What is a Security First HO3 policy?
An HO3 (Homeowners 3) policy is one of the most common homeowners policy types. Generally speaking, it covers the home’s structure broadly (subject to exclusions) while personal belongings are often covered for a list of named causes of loss. (Exact coverages, limits, deductibles, and exclusions depend on the specific policy, underwriting approval, and your home’s characteristics.)
Security First Signature+ HO3 highlights (why Florida homeowners like it)
Here are several features Security First promotes with Signature+ (HO3):
1) A redesigned HO3 built for today’s Florida homeowners
Security First launched Signature+ (HO3) in May 2025 and described it as a “new standard” emphasizing better choices and pricing competitiveness.
2) Disappearing Deductible option
Security First notes that Signature+ (HO3) can include a Disappearing Deductible endorsement, which may reduce the deductible over time when claim-free (details vary by policy).
3) Discounts and affordability initiatives
Security First has publicly discussed discount opportunities, and the company has also announced recent rate decreases and newer-home discounts in certain cases.
4) Repair network support when you need fast action
When Florida weather bites, finding vetted contractors can feel like a second full-time job. Security First’s First Choice Repair Network® is presented as an option to help coordinate repairs with 150+ licensed/insured Florida contractors (per Security First).
Why this matters in Port St. John (Brevard County)
Port St. John homeowners often want a policy that balances:
Practical hurricane-and-storm readiness (with the right deductibles and coverage selections)
A carrier that is focused on Florida homeowners specifically
Help lining up repairs and getting life back to normal after damage
Quick FAQ: Security First HO3 in Florida
Does an HO3 cover flooding? Flood is typically excluded under homeowners policies and is generally handled through separate flood insurance. (We can help you coordinate both.)
Is wind covered? Wind coverage and terms can vary by location and policy. Security First’s FAQ notes coverage depends on the policy and circumstances, and exclusions apply.
Can I save money with higher deductibles? Security First notes that selecting different deductible options can affect premium (for example, raising an all-other-perils deductible may reduce cost).
Get a Signature+ (HO3) quote with Barefoot Insurance Brokers
Want to see if Security First Signature+ (HO3) fits your home in Port St. John, FL or nearby Space Coast communities?
Kassy Mendez is our go-to homeowners specialist at Barefoot Insurance Brokers. 📧 kassy@barefootins.com 📱 Call/Text 754-233-0637
Kassy Mendez services Homeowner’s insurance policies throughout Florida and Barefoot Insurance Brokers maintains an office for appointments at 3770 Curtis Blvd, Suite 702 in Port St John. Our office is shared with Welcome Home Realty in the Horizon Palms Plaza.
Life around Fernandina Beach feels like a seaside rhythm you never want to disrupt. If you’re a responsible, low-risk driver with great credit and a solid driving history, you deserve auto insurance that reflects the way you live: thoughtful, well-rounded, and priced fairly.
At Barefoot Insurance Brokers, we help preferred drivers across Fernandina Beach, Amelia Island, Yulee, and throughout the State of Florida find quality personal auto insurance with coverage that actually makes sense for their lifestyle and assets.
What Preferred Drivers Around Fernandina Beach Can Get Covered
We’ll help you build a policy that can include:
• Liability Coverage Protection if you’re responsible for damage or injury to others.
• Uninsured / Underinsured Motorist Coverage Extra peace of mind when another driver has little or no insurance.
• Physical Damage Coverage Comprehensive and Collision to help protect your vehicle investment.
• Florida-Required PIP (Personal Injury Protection) Covers certain medical expenses and related costs after an accident.
And for many of our preferred clients, we also talk about adding a Personal Umbrella Policy. Think of it as an extra layer of financial protection that sits above your auto liability limits to help safeguard your home, savings, and future earnings if a serious accident ever leads to a larger claim or lawsuit. It’s an affordable way to protect high-value assets.
Local Agents. Real Conversations. Florida Expertise.
Our team works with top-rated carriers for preferred Florida drivers, including:
Travelers • Mercury • GEICO • Progressive • a Farmers Insurance product • an Allstate Insurance product • and more
We shop the market for you, pairing great coverage with pricing that respects your low-risk profile.
Ready to talk with a Florida-based, English-speaking agent?
We’d love to help you feel confident about your coverage while keeping your rates competitive.
Barefoot Insurance Brokers — serving Fernandina Beach and surrounding areas. Let’s build a policy that fits your life.
About the Author
Laurel Schwartz is a Licensed Personal Lines Independent Insurance Agent with Barefoot Insurance Brokers, known for her expertise in flood insurance, homeowners insurance, personal umbrella coverage, and auto insurance. Laurel has a strong talent for problem-solving and specializes in helping clients navigate harder-to-place auto risks, including FR-44, SR-22, and other non-standard circumstances. She’s committed to finding solutions where others can’t. You can reach Laurel directly at laurel@barefootins.com or call/text 561-290-1207 for personalized support and expert advice.
When shopping for boat insurance in Florida, many consumers ask the same question: “What’s the best boat insurance company in Florida?”
You’ll hear big names like Progressive, Travelers, GEICO, and more. But the truth is—the best boat insurance company is the one that fits your specific needs. And that’s exactly what Barefoot Insurance Brokers helps you find.
Why Choose an Independent Insurance Agent?
Instead of being locked into just one company’s options, an independent agent like Zack Epstein at Barefoot Insurance Brokers compares quotes from multiple top-rated marine insurers—including:
Progressive
Travelers
GEICO Marine
Foremost
National General
…and more.
This means you get the right coverage for your boat, whether it’s a center console, pontoon, personal watercraft, or jet ski—and always at the best possible rate.
Annual Boat Insurance Policies Start at Just $75
Even if you’re just using your boat seasonally or storing it at home, it still needs protection. Boat insurance policies start at just $75 per year and can protect you from theft, storm damage, accidents, and liability.
We make it easy and affordable to insure your watercraft the right way.
10 Cities in Broward County, FL That We Proudly Serve
If you’re searching for a “local insurance agent near me” in Broward County—Zack Epstein is your go-to marine insurance expert. Here are 10 cities in Broward County where boat owners trust Barefoot Insurance Brokers:
City
Main ZIP Code
Fort Lauderdale
33301
Hollywood
33020
Pompano Beach
33062
Coral Springs
33065
Pembroke Pines
33024
Miramar
33023
Sunrise
33322
Plantation
33324
Deerfield Beach
33441
Margate
33063
Lowest priced zip codes for personal watercraft insurance in Broward County
From Intracoastal cruisers to Everglades anglers, every Florida boater deserves tailored protection.
Call or Text Zack Epstein Today
Looking for personalized advice from someone who actually understands Florida boating and insurance? Reach out to Zack Epstein, your local licensed agent at Barefoot Insurance Brokers.
Attention all Florida drivers with suspended licenses! We know how frustrating it can be when life gets in the way and your auto insurance lapses, leading to a suspension of your driving privileges by the FLHSMV. But fear not, because Barefoot Insurance Brokers is here to help you get back behind the wheel safely and legally.
As an independent insurance brokerage, Barefoot Insurance Brokers understands the unique challenges you may face when seeking auto insurance after a lapse. Our team of experienced brokers specializes in finding the right coverage for every driver, regardless of their past insurance history.
When you choose Barefoot Insurance Brokers, you’re not just getting insurance – you’re getting personalized service tailored to your specific needs. We’ll work with you to find affordable rates and flexible coverage options that meet Florida’s legal requirements and get you back on the road with confidence.
Don’t let a suspended license hold you back any longer. Contact Barefoot Insurance Brokers today and let us help you navigate the process of reinstating your driver’s license with the right auto insurance coverage. With Barefoot Insurance Brokers, the road to recovery starts here
Why choose Barefoot Insurance Brokers?
As a full‐service independent agency located right here in Florida, we specialise in helping drivers whose licences have been suspended due to insurance issues. We can shop multiple carriers including Progressive, Mercury Insurance, Kemper, Bristol West, GEICO, National General, The General, Dairyland, Responsive and more, find the best fit for your budget, and handle the filing/reporting so you can focus on driving again.
📞 Call Alexandra Horblitt at 786-440-8242 today to discuss affordable insurance solutions to regain your freedom and driving privilege.
Welcome to Titusville, Florida — Where Riverfront Charm Meets Affordability
Nestled along the scenic Indian River Lagoon, Titusville, FL is a true coastal treasure for those seeking small-town charm, natural beauty, and affordable home ownership. It’s the kind of place where you can sip coffee with a waterfront sunrise and still make it to a show or dinner downtown—without ever facing city crowds or coastal price tags.
Unique Neighborhoods and Waterfront Living
The Bayview Manor neighborhood features a mix of classic Florida homes, each with its own charm and often framed by majestic river views. For those craving modern luxury, the River Palms Condominiums deliver sleek design, private balconies, and resort-style amenities. And if you prefer a quiet, well-maintained setting, the Pelican Point Condo Association offers gated comfort and community pride, with manicured grounds and easy access to the water.
A Walkable Downtown with Flavor and Culture
Downtown Titusville is small but sophisticated — a few steps can take you from gourmet dining and artisan coffee houses to the Titusville Playhouse, where locals enjoy Broadway-style productions in a beautifully restored theater. It’s the kind of downtown that invites you to slow down, park once, and enjoy an entire evening on foot.
Outdoor Adventure and Riverside Beauty
Titusville is rich with green space and water access. Locals love Sand Point Park, Space View Park, and the nearby Merritt Island National Wildlife Refuge for morning walks, kayaking, or spotting dolphins and manatees. It’s a paradise for anyone who loves boating, birding, or simply being near the water.
Affordable Living, Smart Insurance Options
Titusville offers an unbeatable combination of affordable home values and low insurance costs — especially for new residents moving to the Space Coast. At Barefoot Insurance Brokers of Florida, we help homeowners, condo residents, and boat owners find comprehensive coverage that fits their needs and budget.
Whether you need homeowners, flood, auto, or boat insurance, our local expertise helps protect your piece of paradise.
Let’s Get You Settled and Covered
If you’re considering a move to Titusville or recently became a resident, connect with Allie Horblitt, Licensed Florida Insurance Agent and Owner of Barefoot Insurance Brokers of Florida.
Protecting Florida’s most charming coastal communities — one home at a time.
Alexandra “Allie” Horblitt is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers bringing over 14 years of industry experience to her clients. She specializes in marine artisan insurance, workers’ compensation including USL&H, general liability, and commercial auto coverage. Allie is licensed to sell commercial insurance products in Florida, Georgia, Alabama, Colorado, Indiana, Ohio, Texas and Virginia. To connect with Allie for customized coverage solutions, email her at allie@barefootins.com or call/text 786-440-8242.
