Real Estate
Insurance Solutions
Insurance solutions for property owners, managers, developers, and real estate professionals.
Get a QuoteUnique Risks in Real Estate
Florida's real estate market is one of the most dynamic in the country — and one of the most exposed. Property owners face a confluence of natural catastrophe risk, including hurricanes, flooding, and sinkholes, alongside the everyday liabilities of owning and operating commercial properties.
Property managers and brokerages carry professional liability risk from lease negotiations, tenant disputes, and transaction errors. Developers face coverage gaps between construction completion and full occupancy. Without the right program, a single storm or lawsuit can erode years of equity.
SMAART Insurance works with individual property owners, property management companies, and development firms to build programs that protect every asset in their portfolio.
Key Industry Facts
- ■Florida has the highest flood insurance premiums in the U.S. due to storm surge risk.
- ■Slip-and-fall claims are the #1 general liability exposure for property owners.
- ■Hurricane losses in Florida have exceeded $200B over the past two decades.
- ■Property management E&O claims frequently arise from lease errors and eviction disputes.
- ■Landlord liability claims can exceed $1M in serious injury cases.
of commercial property claims are related to water damage and natural disasters. Comprehensive property insurance with flood coverage protects your portfolio's value.
Coverage Solutions for Real Estate
From single properties to large portfolios, we build programs that protect your investments across every risk dimension.
Commercial Property
Protection for your investment properties, office buildings, and commercial real estate assets.
Learn MoreGeneral Liability
Coverage for slip-and-fall accidents, property damage claims, and other third-party injuries at your properties.
Learn MoreBusiness Interruption
Replaces lost rental income when a covered loss forces tenants to vacate or repairs close your property.
Learn MoreFlood Insurance
Essential Florida coverage for properties in flood zones, protecting against storm surge and heavy rainfall.
Learn MoreUmbrella
Excess liability protection for property owners and managers facing catastrophic injury or damage claims.
Learn MoreProfessional Liability
Errors and omissions coverage for real estate agents, brokers, and property management firms.
Learn MoreWorkers' Compensation
Coverage for maintenance staff and property management employees injured on the job.
Learn MoreCyber Insurance
Protection for property managers and brokerages handling sensitive tenant and transaction data.
Learn MoreWhy SMAART for Real Estate
Portfolio Protection
We structure blanket programs that efficiently cover multiple properties under a single policy framework, simplifying administration.
Tenant Liability
Our programs address tenant-related exposures, including damage caused by tenants and liability arising from lease disputes.
Development Risk Coverage
For developers and investors, we provide coverage that bridges the gap between construction completion and stabilized operations.
Frequently Asked Questions
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Free Consultation
Not sure what coverage you need?
Our licensed advisors will assess your risks and recommend the right protection — at no cost.
Call (305) 819-3675Protect Your Real Estate Business
Our real estate insurance specialists understand Florida's unique property risks. Let us design a program that safeguards your portfolio.
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