Wednesday, September 30, 2026Wind and hail storms can cause serious, costly damage to your home. Gene Smith Insurance Agency is here to help you find policy options tailored to your property and needs. The Role of Windstorm Insurance in Florida In Florida, home insurers are generally required to include wind coverage in policies, although homeowners can reject it in writing. READ MORE >>
Friday, August 28, 2026The aftermath of a hurricane can be overwhelming. Downed trees, missing shingles, flooded floors. Then comes the question every homeowner dreads: What does my insurance cover? Understanding your homeowners insurance policy before a storm hits can puts you in a much stronger position when you need to file a claim. READ MORE >>
Sunday, June 28, 2026 Building a home or commercial property from the ground up is a significant investment, and protecting that investment before the project is complete requires specialized coverage. Builders risk insurance is designed for exactly that purpose, covering structures under construction against a range of unexpected losses. READ MORE >>
Monday, May 25, 2026When a claim goes beyond your standard policy limits, any remaining costs can come out of your savings or assets. Personal umbrella insurance can address that gap. Gene Smith Insurance Agency helps Florida residents find coverage that suits their situation. Understanding Personal Umbrella Insurance READ MORE >>
Monday, March 23, 2026Unexpected events such as storms, fire or theft can interrupt construction projects and increase costs before a building is complete. For contractors, developers and property owners in Florida, builder’s risk insurance is an essential component of business insurance. What Is Builder’s Risk Insurance? READ MORE >>
Thursday, February 26, 2026Many homeowners in Dade City, FL are unsure whether a standard homeowners policy covers repairs or replacements for appliances if something goes wrong. Here’s what you need to know. What Does a Standard Homeowners Policy Cover? A standard homeowners insurance policy in Florida typically includes personal property coverage for your belongings. READ MORE >>
Sunday, November 30, 2025Homeowners insurance plays a key role in addressing unexpected risks that your home and family may face. A standard policy typically may include several key coverages, including the following: Dwelling coverage may help repair or rebuild your home if it’s damaged by covered events, such as fire, windstorms or lightning. READ MORE >>
Thursday, October 30, 2025Understanding your auto insurance coverage is essential for protecting your finances. At Gene Smith Insurance Agency, our team is here to help you understand comprehensive and collision coverage, two important parts of a well-rounded auto policy. What Is Comprehensive Coverage? READ MORE >>
Thursday, September 11, 2025 Florida offers plenty of sunshine, but it also comes with the risk of hurricanes and severe storms. As a homeowner, it’s essential to understand how your insurance protects you and where it may fall short, especially as it pertains to wind damage. READ MORE >>
Wednesday, August 27, 2025In the midst of hurricane season, homeowners in Florida and throughout the Sunshine State must make ample preparations for potentially disastrous storms. As a hurricane approaches, you may have limited time to prepare your family and property for the chaos to come, meaning that having a plan ahead of time can be critical. READ MORE >>
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