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Flo Rida has reasons to be insecure -- he just lost a big lawsuit to a security company that claimed it got stiffed after it set up an elaborate security system in his Miami mansion.

Flo hired ADT to protect him from evildoers ... the system was tricked out with 27 cameras at a cost of $58,000.

Flo paid a little more than $19K as a deposit and then flaked out on the rest, claiming he never authorized the work.

A Florida court begged to differ, and just entered a judgment of $31,258.

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