Insurance Serving
Miami & Miami-Dade
SMAART Insurance serves Miami clients from our Fort Lauderdale headquarters — in person or virtually. High-value home, marine, and commercial coverage shaped by Miami-Dade's unique exposure profile.
Fort Lauderdale advisors, Miami-Dade focus
Our office is in Fort Lauderdale, but a meaningful share of our book sits in Miami-Dade — Brickell condo owners, Coral Gables families, Coconut Grove boaters, Key Biscayne estates, and businesses across Wynwood, Doral, Aventura, and beyond.
We treat Miami clients exactly the way we treat clients three miles from our office: an advisor who knows your file, a carrier panel that understands South Florida exposure, and a renewal process that re-shops the market every year instead of rubber-stamping last year's premium.
Most Miami clients meet with us virtually — quotes, policy reviews, claims advocacy, and renewals all run by phone, email, and video. When you want face time, we're a 30-minute drive up I-95 or you can come to our N Andrews Ave office.
The coverage that matters most in Miami-Dade
Three lines drive most of our Miami conversations. Each comes with a Miami-Dade-specific set of decisions you don't want to leave to a generic Florida quote.
High-Value Home Insurance
Coral Gables, Brickell, Coconut Grove, Key Biscayne, Star Island, Bal Harbour — guaranteed-replacement, separate wind and flood, valuables, and umbrella coverage built for the Miami $1M+ market.
Explore High-Value Home InsuranceMarine & Yacht Insurance
Biscayne Bay yachts, charter operators, marinas, and personal watercraft. Hull, P&I, and named-storm haul-out coverage placed with markets that work South Florida every day.
Explore Marine & Yacht InsuranceCommercial Insurance
Finance, hospitality, healthcare, tech, international trade — Miami's economy runs hot and so does its risk profile. GL, property, workers' comp, cyber, D&O, and specialty programs.
Explore Commercial InsuranceMiami & Miami-Dade County
We serve clients across Miami-Dade — Downtown, Brickell, Coral Gables, Coconut Grove, Key Biscayne, Miami Beach, Aventura, Doral, Pinecrest, and beyond. Our advisors are based at our Fort Lauderdale headquarters, a short drive up I-95 from anywhere in Miami.
Headquartered In
2319 N Andrews Ave, Fort Lauderdale, FL 33311
Call Us
(305) 819-3675Every line we write, available across Miami
High-Value Home Insurance
Guaranteed replacement, waterfront, hurricane, and valuables coverage for $1M+ Florida properties.
high-value home insurance for Florida estatesMarine & Yacht Insurance
Hull, P&I, charter, and marina coverage tuned for South Florida waters and hurricane exposure.
marine and yacht insurance for South Florida vesselsCommercial 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 servicesMiami 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) 819-3675Get Miami coverage built around your life
Free quote. No obligation. Hop on a video call or come up to Fort Lauderdale — we'll match the work to how you want to do it.