Insurance & Risk Mitigation
in Fort Lauderdale
We're headquartered on N Andrews Ave, a short drive from downtown Fort Lauderdale, Las Olas, and the Intracoastal. Marine, high-value home, commercial, and personal coverage — built for the risk profile of Broward County.
A Fort Lauderdale insurance brokerage built for South Florida exposure
SMAART Insurance is an independent brokerage headquartered in Broward County. We work for you — not a single carrier — which means we shop the market, design layered programs, and renegotiate every renewal so the policies on your desk actually match the risks at your front door.
Our practice is shaped by where we live. Hurricane deductibles, named-storm haul-out clauses, NFIP versus private flood, condo master-policy gaps, and the realities of insuring a $5M waterfront home or a 60-foot charter boat aren't edge cases for us — they're the daily work.
Whether you walk into our N Andrews Ave office or meet us over video from anywhere in Florida, you get the same thing: a licensed advisor who knows your file, knows the market, and picks up the phone when something happens.
The coverage that matters most in Broward County
Three lines drive most of the conversations we have at our Fort Lauderdale office. Each comes with a Florida-specific set of decisions you don't want to leave to a 1-800 quote engine.
Marine & Yacht Insurance
100+ marinas, 300 miles of waterway, and the largest yacht concentration in the country. Hull, P&I, charter, and marina coverage — placed with markets that understand named-storm haul-out and South Florida exposure.
Explore Marine & Yacht InsuranceHigh-Value Home Insurance
$1M+ Intracoastal estates, barrier-island homes, and Las Olas properties need guaranteed-replacement, separate wind and flood structures, and serious valuables coverage — not a stripped-down HO-3.
Explore High-Value Home InsuranceCommercial Insurance
From Cypress Creek office tenants to Las Olas hospitality and I-595 contractors — general liability, commercial property, workers' comp, cyber, and surety bonds tuned for Broward operating realities.
Explore Commercial InsuranceStop by — or schedule a virtual consultation
Our doors are open Monday through Friday. Parking is on site, and we're a few minutes from I-95, the Tri-Rail Cypress Creek station, and downtown Fort Lauderdale.
Visit Us
2319 N Andrews Ave
Fort Lauderdale, FL 33311
Call Us
(305) 819-3675Email Us
info@smaartinsurance.comOffice Hours
Mon–Fri: 9:00 AM – 5:00 PM EST
Closed on weekends and federal holidays
Every line we write, available in Fort Lauderdale
Browse the full coverage menu — from yacht and waterfront home programs to commercial, personal, and risk assessment.
Marine & Yacht Insurance
Hull, P&I, charter, and marina coverage tuned for South Florida waters and hurricane exposure.
marine and yacht insurance for South Florida vesselsHigh-Value Home Insurance
Guaranteed replacement, waterfront, hurricane, and valuables coverage for $1M+ Florida properties.
high-value home insurance for Florida estatesCommercial Insurance
General liability, property, workers' comp, cyber, and specialty programs for Florida businesses.
commercial insurance for Florida businessesPersonal Insurance
Home, auto, life, health, and umbrella coverage bundled for stronger protection and better rates.
personal insurance for Florida familiesAuto Insurance
Agreed-value coverage for daily drivers, exotics, fleets, and classic cars across Florida.
Florida auto insurance for luxury, exotic, and commercial vehiclesRisk Assessment
Vulnerability analysis, gap identification, and mitigation strategies before claims happen.
Florida business risk assessment and mitigation servicesFort Lauderdale insurance — questions we hear most
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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) 819-3675Ready to talk Fort Lauderdale coverage?
Get a free quote, book an in-office consultation, or hop on a video call — whatever works for you. We'll handle the rest.