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Homeowners Insurance
Home and property insurance coverage including Florida-specific hurricane, flood, and windstorm policies to protect your biggest asset.
Protect Your Home in the Sunshine State
Florida homeowners face a unique insurance landscape. Standard homeowners policies often exclude flood and windstorm coverage, leaving property owners dangerously underinsured in one of the most hurricane-prone states in the country. Understanding what your policy covers, and what it does not, is critical to protecting your most valuable asset.
SMAART Company helps Florida homeowners evaluate their current coverage, identify gaps, and secure the right combination of homeowners, flood, and windstorm policies to ensure full protection. We work with multiple carriers, including Citizens Property Insurance and the National Flood Insurance Program, to find coverage options that match your property and budget.
Whether you own a single-family home, a condo, or an investment rental property, our insurance team ensures you are properly covered for the risks that Florida weather and property ownership present.
Core Directives
Florida-Specific Coverage
Gap Identification
Premium Optimization
Operational Milestones
01
Review
Evaluate your current coverage, policy limits, deductibles, and exclusions against your property and risk profile.
02
Identify
Determine coverage gaps, especially for flood, windstorm, and other Florida-specific perils often excluded from standard policies.
03
Quote
Shop multiple carriers including Citizens, NFIP, and private markets to find the best combination of coverage and price.
04
Secure
Bind the right policies and ensure all coverage is active before hurricane season or policy renewal deadlines.
05
Monitor
Annual policy reviews to adjust coverage as your property value, mortgage requirements, or flood zone status changes.
Included Services & Outcomes
Standard homeowners insurance (HO-3, HO-6)
Flood insurance (NFIP and private market)
Windstorm and hurricane coverage
Umbrella liability for homeowners
Rental property and landlord insurance
Condo and townhouse unit-owner policies
Sinkhole and ground collapse coverage
Policy review and gap analysis
Florida Home Protection, Done Right.
Hurricane, flood, wind, liability, Florida homeowners face exposure no generic policy fully covers. We build coverage stacks tuned for where you live.
FAQ
Questions &
Answers
Get answers to the most common questions about our homeowners insurance services.
Standard homeowners policies typically cover some wind damage, but many Florida policies exclude or separately deductible windstorm and hurricane damage. Flood damage is almost always excluded and requires a separate policy. SMAART reviews your specific policy to identify exactly what is and is not covered.
Flood damage can occur anywhere, not just in designated flood zones. Over 20% of NFIP flood claims come from properties outside high-risk zones. SMAART recommends at least evaluating flood coverage regardless of your flood zone designation.
Windstorm coverage applies to wind damage from any storm, while hurricane deductibles are triggered specifically when a named storm causes damage. In Florida, hurricane deductibles are typically percentage-based (2-5% of dwelling coverage) rather than flat dollar amounts.
Yes. We provide landlord and rental property insurance that covers the building, liability, and loss of rental income. For investment property portfolios, we can structure coverage across multiple properties efficiently.
Insure the structure for its full replacement cost, not market value or purchase price. Replacement cost reflects what it would take to rebuild from scratch at current labor and material rates. SMAART uses construction-cost data and property specifics to calculate the right coverage amount so you are never underinsured at claim time.
Make Sure Your Home Is Covered
SMAART Company's insurance team helps Florida homeowners find the right coverage for hurricane, flood, and property risks. Schedule your policy review today.
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