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Shield Your World with Ultimate Coverage

full-service insurance agency in Homestead

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The Lowest Insurance Rates Guaranteed

Start your quote and start saving with Buysmart Insurance Inc.; we'll find the best coverage at the lowest rate. We work with several insurance companies to find you the best possible coverage at the lowest possible rate. Our agents are experts in the field, and we always put your needs first. We look forward to working with you to find the perfect insurance solution. Contact us today to learn more.

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Elevate Your Coverage, Shield Your Assets

Protect your assets and financial well-being with umbrella insurance from Buysmart Insurance Inc. Our comprehensive policies provide an additional layer of coverage beyond your primary insurance limits, safeguarding you against potentially devastating lawsuits, property damage, or medical expenses. Whether you own valuable assets, have a high net worth, or simply want peace of mind, our experienced agents will tailor a policy to meet your unique needs. With our affordable premiums and outstanding customer service, Buysmart ensures you have the protection you need to live confidently and securely.

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your trusted Insurance agency in homestead

As the leading insurance agency in Homestead, we are committed to safeguarding your financial future. Our team of experienced professionals offers a comprehensive range of insurance solutions tailored to your specific needs. We have the expertise to navigate the complexities of insurance policies and secure optimal protection for you and your loved ones. Our unwavering commitment to customer satisfaction ensures that you receive personalized guidance and tailored recommendations, empowering you to make informed decisions that protect your assets and provide peace of mind.

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Insurance Solutions for a Variety of Vehicles

Coastal Boating Insurance so you can focus on adventure

From hurricanes to storms and theft, we've got you covered. Our comprehensive policies offer a tailored fit for your specific vessel, ensuring peace of mind while you navigate the beautiful waters of Biscayne Bay and beyond. Our local team is dedicated to providing exceptional customer service and personalized advice, helping you navigate the complexities of boating insurance with ease. Trust us to protect your investment and keep your boating adventures safe and enjoyable.

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insurance for your home, whether you rent or own

Home Insurance Coverage

Peace of Mind
Safeguard your home against unforeseen events such as fire, theft, and natural disasters. Our policies provide peace of mind for you and your family.
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Renters Insurance Plans

Affordable Protection
Even if you don't own the property, your belongings are important. Our renters insurance plans offer affordable protection for your personal items.
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a team of Bond Experts with Custom Solutions

We offer a comprehensive suite of bond services tailored to meet the evolving needs of our discerning clients. Our experienced team of experts provides customized solutions for individuals and businesses seeking to secure their financial future. Whether you require surety bonds for construction projects, probate matters, or any other purpose, we have the expertise and resources to guide you every step of the way. With a deep understanding of local regulations and market trends, we ensure that your bonding needs are met seamlessly and efficiently.

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Comprehensive Insurance Services

We offer a wide range of insurance services designed to cover every aspect of your life and business. Our experienced team works with you to assess your needs and then develop a custom plan that addresses your unique situation. From securing your home and vehicles to protecting your commercial interests and employees, we provide tailored solutions that give you peace of mind.

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Explore Confidently and Travel Safely with our expertise

Our comprehensive travel insurance services are tailored to empower you to explore the world with confidence. Whether you're embarking on a weekend getaway or an extended global expedition, our team of experts has you covered. Let us be your invisible safety net as you spread your wings and conquer distant lands.


  • Unexpected Events
  • Medical Emergencies
  • Lost Luggage
  • Trip Delays
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discover how we can help protect your business

umbrella insurance for extra Peace of Mind and confidence

Secure your peace of mind and protect your valuable assets with our exceptional umbrella insurance services. Our umbrella policies extend coverage beyond the limits of your homeowners or auto insurance, providing an extra layer of financial security. With our comprehensive coverage, you can rest assured that your personal belongings, income, and liability are well protected, giving you the confidence to navigate unexpected events with ease.

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more about our company

Protect your assets and peace of mind with our comprehensive umbrella insurance. It extends your existing liability coverage, providing an additional layer of protection in case of lawsuits or unexpected accidents. Our umbrella insurance covers gaps in your homeowners, auto, and other policies, ensuring financial security against catastrophic events. With limits up to $5 million, you can rest easy knowing your assets, savings, and future earnings are shielded. Contact us today to add umbrella insurance to your insurance portfolio and enjoy the ultimate financial protection.

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frequently asked questions

  • What types of insurance do you offer?

    We offer a wide range of insurance solutions to protect what matters most to you. This includes coverage for your car, home, renters, boat, travel, business, and even an umbrella policy for additional peace of mind.

  • How do I get a free quote?

    Getting a free quote is easy! Simply click the "Get a Free Quote" button on our website or give us a call.  We'll ask you a few quick questions to understand your needs and provide you with a personalized quote tailored to your specific situation.

  • What's covered under your home insurance plans?

    Our comprehensive home insurance plans offer peace of mind for you and your family.  They typically cover damage caused by fire, theft, vandalism, and  natural disasters such as hurricanes, tornadoes, and  hail.  We also offer additional coverage options to protect your valuable belongings.




  • How can umbrella insurance benefit me?

    Umbrella insurance acts as an extra layer of financial security, extending coverage beyond the limits of your homeowners or auto insurance policies.  This means it can help cover high-cost lawsuits, medical expenses, or property damage that exceeds the limits of your primary insurance.  With umbrella insurance, you can rest assured knowing you have the protection you need in case of unexpected events.



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Have a question? Send us a message, and we will reach out as soon as possible.

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Umbrella Insurance

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