Florida Smart Insurance Hub

Welcome to the Florida Smart Insurance Hub, your one-stop resource for all your insurance needs in the Sunshine State. Whether you’re looking to find a policy online or work with a local agent, we’ve got you covered. We bring together the most comprehensive resources and information in the state.

Our goal is to present you with the best of the best in Florida featuring advise and knowledge from the local insurance experts and to connect you with local insurance agents and online insurance shopping. We strive to provide you with the information and guidance you need to make informed decisions about your insurance coverage, find the best rates and the best coverage for all your insurance needs in Florida.


Insurance in the Sunshine State Florida Insurance Blog

Find Insurance Providers and Agents in the Florida Smart Business Directory


Health Insurance

Health insurance in Florida is offered through private insurers, employers, or government programs such as Medicaid and the Affordable Care Act (ACA) marketplace. Florida does not have its own state-based health insurance exchange and relies on the federal marketplace for ACA coverage.


Disability Insurance

Disability insurance provides income replacement in the event of a disability that prevents an individual from working. It offers financial support to cover living expenses, medical bills, and other financial obligations during the period of disability.

Life Insurance

Life insurance provides financial protection to beneficiaries in the event of the insured person’s death. It pays out a death benefit to the designated beneficiaries, helping them cope with financial obligations, such as debts, funeral expenses, and income replacement.


Home & Property Insurance

Florida is known for its exposure to natural disasters such as hurricanes and floods. As a result, property insurance, including homeowners insurance, is particularly important in the sunshine state. Property insurance policies in Florida often include coverage for windstorms and hurricanes, but separate flood insurance may be required for properties located in flood-prone areas.

  • Hurricane
    Due to the risk of hurricanes in Florida, many property insurance policies have separate deductibles specifically for hurricane-related claims. These deductibles are often based on a percentage of the insured property’s value, rather than a fixed dollar amount.
  • Sinkhole
    Florida is also prone to sinkholes, and insurance companies must offer coverage for catastrophic ground cover collapse caused by sinkholes. However, coverage for other types of sinkhole damage may require additional endorsements or a separate policy.
  • More about Home Insurance in Florida
  • More about Title Insurance
  • Florida Home Insurance Agent Business Directory


Renters Insurance


Auto Insurance

Auto insurance provides coverage for vehicles and drivers in the event of accidents, damages, or injuries. It includes liability coverage to protect against third-party claims, as well as coverage for damages to the insured vehicle and injuries to the driver and passengers.

Business Insurance

Business insurance safeguards businesses from financial losses and liabilities associated with various risks. It includes coverage for general liability, property damage, business interruption, professional liability, workers’ compensation, and other types of insurance tailored to meet the specific needs of businesses.

Liability insurance protects individuals and businesses from legal liabilities and financial obligations arising from injuries, damages, or lawsuits. It includes general liability insurance, professional liability insurance, product liability insurance, and other specialized liability coverage.


Travel Insurance

Travel insurance offers coverage for risks associated with traveling, such as trip cancellation or interruption, medical emergencies, lost baggage, and travel delays. It provides financial protection and assistance to travelers when unexpected events occur during their trips.


Pet Insurance

Learn more about Pet Insurance in Florida


Insurance Providers and Agents in Florida