Home Insurance
Our greatest investment is the time and money that we put into our homes. Let us custom tailor a home owners policy that can help protect your family.
Home Insurance in Florida.
Your home is more than a building—it’s where life happens. At Smith & Thomas Insurance, we help Florida homeowners protect what matters most with affordable and reliable home insurance coverage. Whether you own a single-family home, condo, or manufactured home, our independent agents work with top carriers to find the policy that fits your needs and budget.
Building a home? If your builder is a Preferred Builder with one of our carriers, we may be able to help you save!
Why Home Insurance Matters.
A homeowners policy does more than cover your house. It provides financial protection in case of:
- Fire, storm, or hurricane damage
- Theft or vandalism
- Personal liability if someone is injured on your property
- Additional living expenses if you’re forced to relocate during repairs
Without the right protection, unexpected events can become overwhelming. That’s why our team takes the time to explain your options and match you with coverage that brings peace of mind.
What’s Included in a Typical Policy?
Every home is unique, but most policies cover:
- Dwelling coverage – repairs or rebuilding your home’s structure
- Personal property coverage – furniture, electronics, clothing, and more
- Liability protection – medical or legal costs if you’re found responsible for injury or damage
- Loss of use – temporary living expenses if your home becomes unlivable
Optional add-ons include:
- Flood insurance (especially important in Florida)
- Coverage for jewelry, collectibles, or other high-value items
- Umbrella liability policies for extra protection
Why Choose Smith & Thomas Insurance?
Local expertise – Serving families in Lakeland, Polk County, and across Florida for over 65 years.
Independent agents – We compare policies from multiple carriers, so you get more options and the best value. We work for you!
Personal service – We answer your questions and explain coverage in plain language.
Trusted guidance – Our clients rely on us to protect their homes, families, and futures.
Get a Free Home Insurance Quote Today!
Protect your home with coverage you can count on. Contact Smith & Thomas Insurance today for a free, no-obligation home insurance quote.
Call us at 863-688-1141, request your quote online, or visit our office in Lakeland, Florida.