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Security First Insurance, one of the largest private homeowners insurers, has launched its Homeowner’s Premier HO5 policy.

Floridians must have no claims or one claim caused by a weather event and with good-to-excellent credit could quality for a 20% premium savings, the insurer said. Security First Insurance said the policy also offers replacement value starting at $350,000 and with equipment breakdown and service line coverage included at no additional cost.

Many homeowners are seeking relief from insurance rate hikes caused by the overwhelming amount of contractor fraud committed in Florida and exorbitant litigation costs as a result of frivolous lawsuits being filed against insurance companies for illegitimate claims, the insurer said in a statement. “We have worked very hard to improve Florida’s insurance laws to curb the increase in fraud and prevent excessive and unwarranted attorneys’ fees,” said Melissa Burt DeVriese, president of Security First Insurance. “New legislation being passed this year will help, but it will take some time for it to have an impact on rates, so we’ve also been working away to create new solutions to offer some benefit and relief now,” she said.

Last year, the company launched a new Dwelling Basic policy for homes valued at $150,000 to $1 million that provided an option to customize coverage and lower rates. The company also offers policies for renters, condo-unit owners, and landlords who are leasing their property to others.

Security First Insurance, headquartered in Ormond Beach, Fla., has been assigned a Financial Stability Rating® (FSR) of A, Exceptional, from Demotech Inc.