Smart Choice Partners

Our home insurance policies protect against fire, water damage, and personal liability risks while ensuring replacement cost coverage for structures and contents. We help clients navigate coverage for valuable possessions, additional living expenses, and unique risks like trampolines or wine collections. With local expertise in Florida and Texas markets, we tailor policies to address regional weather patterns and building code requirements.

We provide comprehensive auto insurance solutions covering standard vehicles and specialized collector cars. Our policies address liability protection, off-premises theft coverage, and unique risk factors affecting drivers in southern states. As an independent agency, we help clients compare multiple carriers' offerings to find optimal coverage-to-price ratios for personal and business auto needs.

Recognizing flood risks beyond traditional flood zones, we offer specialized flood insurance through the National Flood Insurance Program and private carriers. Our advisors help clients understand coverage limitations of standard homeowners policies and implement protection strategies for properties facing increasing climate-related threats in Texas and Florida.

We deliver comprehensive business insurance packages including general liability, cyber liability, and workers' compensation coverage. Our solutions address risks for companies of all sizes, from small businesses to large operations, with specialized options like directors and officers liability, key person life insurance, and commercial umbrella policies.

Our cyber liability insurance protects businesses against data breaches, ransomware attacks, and other digital threats. We help organizations implement risk management strategies while providing coverage for legal fees, notification costs, and business interruption losses. This specialized protection addresses growing cybersecurity concerns for Texas and Florida businesses.

We serve clients throughout Florida and Texas with localized insurance solutions tailored to regional risks.

While we don't provide 24/7 services, our team responds promptly during business hours for urgent insurance needs.

As an independent agency, we compare options from multiple carriers to match your needs with optimal coverage and pricing.

We offer home, auto, flood, business, cyber liability, life insurance, and specialized coverage options for unique risks.

Yes, we assist with policy adjustments, certificate requests, and coverage reviews through our client portal and team support.

This company steals people information all the employees. They don't answer the phone they tell u they have phone issues. They add people to ur Policy's and don't tell u. They don't know how to remove one car and add another. So for everyone that was with next level insurance be careful because they probably added someone or a car to ur policy and have you paying money for someone else they are fraud.

I got stuck with Smart Choice Partners about a year and a half ago because the wonderful agent I used for twenty-four years retired and sold her business to them. I needed to make some changes to my homeowner's policy. I called them several times a week for FIVE WEEKS. I left numerous voicemails and received no response. In my frustration, after five weeks of trying to speak with someone, I drove twenty minutes to their office.

I thought surely someone would be there who could help me. When I walked in the door, there was an open office with a receptionist desk. No one was there. While I stood there, I dialed their number. I let the phone ring at least twenty times at the receptionist desk. No response. I then called the number for the agent in charge of our policy. I could hear her phone ringing down the hall in the offices behind a closed door. Again, I let it ring about twenty times.

No response. I left and found a new insurance agent. Smart Choice Partners lost a customer. I'm sure they do not care. And not only did they lose a customer, Cypress Property and Casualty, who provided the policy, lost a customer. If I could give them zero stars, I would.

Love my broker Ashley Shoates. She's quick in responding and is extremely professional. This is the second home I'm using her for. I'm also recommending her to others in the community.

Great service. Agent did a super job. She worked very hard trying to find best premiums for our home. Also ended up bundling with our auto insurance. Great experience.