Allstate Insurance Agent
Bonnie Smart, Lauderdale By The Sea, FL

227 Commercial Blvd

Lauderdale By The Sea, FL 33308

Call

(954) 565-3100to quote by phone

Call

(954) 565-3100to quote by phone

Call

(954) 565-3100to quote by phone

Call

(954) 565-3100to quote by phone

Select a product to get a quote

Auto insurance

Renters insurance

Motorcycle insurance

ATV insurance

Location Details

Office Hours

Day of the Week	Hours
Mon	8:30 AM - 5:30 PM
Tue	8:30 AM - 5:30 PM
Wed	8:30 AM - 5:30 PM
Thu	8:30 AM - 5:30 PM
Fri	9:00 AM - 5:00 PM
Sat	Closed
Sun	Closed

Available 24/7 at

(954) 565-3100

227 Commercial Blvd
Lauderdale By The Sea, FL 33308
US

Map of 227 Commercial Blvd in Lauderdale By The Sea

Landmarks

We are located on the Northeast corner of Commercial Blvd and Seagrape Drive

Areas Served

Lauderdale By The Sea, Fort Lauderdale, Pompano Beach, Oakland Park, Wilton Manors

Languages

English, Spanish

Social

Bonnie Smart: Allstate Insurance

You can view my financial industry experience and background at FINRA’s BrokerCheck

Local Allstate Insurance Agent: Bonnie Smart

Supporting Women in Distress as a sponsor and guest speaker

Bonnie Smart began her journey in the insurance industry in 2001 with Laurie Jones and stayed with the agency in 2005 when Mike Burke purchased it. Over the years, she gained experience in every role within the agency, eventually managing it for about a decade. In 2022, she took the next step in her career by purchasing the agency. Bonnie provides experienced assistance in Auto insurance, Home insurance, Umbrella insurance, Motorcycle insurance, Boat insurance, Renters insurance, Condo insurance, and Life insurance, helping customers be well-protected.
What Bonnie enjoys most about her work is helping customers truly review the value of what they’re paying for. She believes it’s essential for customers to review what their policies cover, and she takes pride in making insurance clear and accessible for everyone. Her approach combines professionalism with a genuine desire to support and inform each customer.
Outside of the office, Bonnie enjoys traveling and spending time near the beach and ocean. Family is central to her life—she has four children, two of whom, Brielle and Daniel Flanagin, now work alongside her at the agency, continuing the family’s commitment to providing top-notch insurance service.

Products we offer:

Car Insurance Agent in Lauderdale By The Sea
Car Insurance Agent in Lauderdale By The Sea
Helps protect you and your vehicle if you’re involved in a car accident. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident that injures another driver or damages their property. We also offer underinsured motorist coverage to help with your expenses if you’re hit by a driver without insurance. If you’re looking for coverage to help protect your vehicle, you might want to consider collision coverage and comprehensive coverage, which help pay repair costs if your car is damaged in a covered loss. And, additional replacement protection coverages, like new car replacement coverage or loan/lease gap coverage help protect your investment in a brand-new car. I can help you choose a combination of coverages that fulfill state requirements and meet your needs. Give me a call to get a car insurance quote today!
get a quote
Home Insurance Agent in Lauderdale By The Sea
Home Insurance Agent in Lauderdale By The Sea
Helps provide protection for your house (dwelling) and your family’s liability as well as the things you own in and around your home such as “other structures” (detached garage, fence, etc.), your personal property (furniture, clothing, etc.) against covered perils such as fire, theft, wind/hail and more. Call me today for a homeowners insurance quote and I’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts.
Condo Insurance Agent in Lauderdale By The Sea
Condo Insurance Agent in Lauderdale By The Sea
Helps protect the portion of your condo, co-op or townhome you are responsible for (inside structure, permanent fixtures, cabinets, etc.) with dependable coverage. Condo policies are HO-6 compliant, and cover family liability and personal belongings against covered perils such as fire, theft, vandalism and more. Contact me today for a quote!
Renters Insurance Agent in Lauderdale By The Sea
Renters Insurance Agent in Lauderdale By The Sea
Helps protect your personal belongings inside or outside your apartment from accidents such as, fire, theft, vandalism, and cover family liability. Give me call today to review what type of coverage makes sense for where you live and what you own.
get a quote
Landlords & Hosts Insurance Agent in Lauderdale By The Sea
Landlords & Hosts Insurance Agent in Lauderdale By The Sea
Helps protect the structure of your rental property, from covered accidents such as fire, wind/hail, vandalism and more. It also offers protection for the liability you might face as an owner. Let’s chat about the right coverage for your additional property!
Motorcycle Insurance Agent in Lauderdale By The Sea
Motorcycle Insurance Agent in Lauderdale By The Sea
Our motorcycle policies include the basic coverage you may need, like liability coverage, which includes passenger liability coverage, and uninsured motorist coverage. You can further customize your motorcycle policy with collision coverage and comprehensive coverage to help protect your bike. And, if you have a customized ride, you can help protect your aftermarket gear with optional equipment coverage. Contact me to learn about motorcycle insurance discounts and to get started with a quote for a policy that fits your needs.
get a quote
Business Insurance Agent in Lauderdale By The Sea
Business Insurance Agent in Lauderdale By The Sea
Commercial insurance protects your small business, your livelihood. Instead of having one policy for your business personal property/building then another for the liability, a BOP combines both policies into one. In addition to these basic coverages, commerical insurance can be customized with additional protection to help cover more aspects of your business. I can help you tailor a policy to fit your small business’s needs. As a small business owner myself, I understand how important it is to protect what you’ve worked so hard to build. Call me for a free review of your current business policy and to learn more about insurance solutions to help protect you, your business, and your employees.
Life Insurance Agent in Lauderdale By The Sea
Life Insurance Agent in Lauderdale By The Sea
Protect the life you want, for those that matter most. A life insurance policy can help provide financial security for your loved ones by covering expenses like the mortgage, college tuition, and other everyday living costs. Call me today to learn about the different types of coverage Allstate offers.
ATV Insurance Agent in Lauderdale By The Sea
ATV Insurance Agent in Lauderdale By The Sea
Help protect yourself and your all-terrain vehicle against the unexpected. We offer bodily injury liability coverage and property damage liability coverage on your ATV insurance policy. If you injure someone else or damage their property while driving your ATV, liability coverage helps pay the other person’s medical or repair bills. If your ATV is damaged in a crash, collision coverage may help. Collision coverage for your ATV helps pay for repairs if you hit another object, such as a fence or a tree. Finally, you may want to consider comprehensive coverage for your ATV in case it’s stolen, vandalized or damaged by hail or fire. Give me a call to get a quote on an ATV insurance policy today!
get a quote
Boat Insurance Agent in Lauderdale By The Sea
Boat Insurance Agent in Lauderdale By The Sea
Helps cover your boat on and off the water. Watercraft liability coverage helps pay for another person’s expenses if you injure them or damage their property with your boat. If you’re injured in a boating accident, watercraft medical payments coverage helps pay for your medical bills. Need to repair damage to your boat after an accident? Property coverage for your boat helps cover a crash with another boat or object (like a pier or buoy). It also helps cover theft, vandalism or fire. Help protect your boat against these covered perils during the on- and off-season. We also offer additional coverage for things like your boat trailer, fishing equipment and even towing or fuel delivery when you’re stranded. Need a boat insurance quote? Give me a call today!

20+

Years of
Experience

20+

Years in the
Community

Your Local Allstate Team

Bonnie Smart

Agency Owner- Personal Financial Representative

After 20+ years' experience representing Allstate, I'm excited to start B Smart Insurance Group and to take over the Mike Burke Agency. My agency and team help Florida families to protect their financial future with home insurance, auto insurance, flood insurance, condo insurance, and life insurance. I look forward to talking to you soon.

Lani Concepcion

Office Admin / Receptionist

Lailani Concepcion began her insurance career in 2007 with our Agency, where she has been a dedicated and reliable team member ever since. She focuses on servicing Home insurance and Auto insurance, helping customers receive the attention, clarity, and support they need to feel confident in their coverage.
Lailani’s favorite part of her work is the strong sense of camaraderie within the team and the meaningful interactions she shares with customers every day. She brings a positive attitude to everything she does, living by the motto “No negativity.” Outside of work, Lailani prioritizes her well-being—she believes that health is wealth and enjoys maintaining a healthy lifestyle to stay energized and focused. Her steady presence and uplifting outlook make her a valued part of the agency family.

Katia Cales

Licensed Sales Producer/Property Agent

Katia Cales began her insurance career in 2022 when she joined the Agency. She focuses on Life insurance, Home insurance, Auto insurance, Umbrella insurance and coverage choices for Boats and Recreational Vehicles. Katia thrives on connecting with people and takes pride in understanding their unique needs to help protect what matters most. For her, every customer conversation is more than just business—it’s a chance to gain a new perspective, whether through a fun fact or a glimpse into another culture.
A true cat lover, Katia finds joy and comfort in the companionship of her feline friends. Outside of work, she’s often in the kitchen experimenting with recipes and sharing meals with loved ones. Her genuine curiosity about people and passion for service make her a reliable and approachable agent in the insurance world.

Daniel Penate

Licensed Sales Producer

Daniel Penate began his insurance career in 2011 when he joined Bonnie Smart’s Agency. He focuses on Auto insurance and Umbrella insurance, working closely with customers to help them be properly informed and protected. Daniel’s favorite part of the job is empowering people with the knowledge they need to make confident insurance decisions that safeguard what matters most.
Outside of work, Daniel brings creativity and flavor to everything he does. He’s an avid concert photographer, capturing the raw energy and emotion of live music through his lens. When he’s not behind the camera, you’ll likely find him at the grill—friends and family insist he makes the best steaks around. Whether he’s helping customers or crafting the perfect shot or meal, Daniel brings a passion for excellence to all he does.

Kim Corbett

Sr Sales Agent/Property Specialist

Kimberly Corbett began her insurance career in 2012 and became a valued member of the agency in 2018. She offers help with a wide range of coverage options including Life insurance, Home insurance, Auto insurance, and Personal Umbrella Policies (PUP). Kimberly’s favorite part of her role is the opportunity to build lasting relationships with customers, helping them feel confident and supported in protecting what matters most.
Outside of work, Kimberly’s life is full of new adventures—she welcomed her first baby at the end of 2024 and is loving every moment of motherhood. Known among friends and colleagues as a human jukebox, she’s always ready to belt out a tune. She’s also quite crafty and enjoys tackling DIY projects whenever she gets the chance. With her creative spirit and commitment to service, Kimberly brings heart and reliability to every customer interaction.

Militza Lopez

Customer Service Resolution Specialist & Licensed Agent

Militza Lopez began her insurance career in 2008 and joined the Agency just a year later, in 2009. With a strong foundation in the industry, she focuses on selling Home insurance, Auto insurance, and Life insurance. Militza's favorite part of the job is equipping customers with the knowledge they need to make confident and informed decisions about their coverage—both for today and as their needs evolve in the future. She takes pride in helping customers navigate issues and find insurance options that truly protect what matters most.
Beyond her professional role, Militza has a deep appreciation for the arts and is especially passionate about Broadway. She also has a genuine love for hearing people’s life stories—often finding inspiration and wisdom in those shared experiences. Her ability to connect with others, both personally and professionally, adds warmth to every interaction she has.

Melissa Concepcion

Administrative Assistance

Melissa (Mel) Concepcion is currently working part-time. Mel loves to read and to travel. She started with us as a high school intern and has continued to work with us even if only part-time for the past 12 years. She is a licens

Ana-Maria Rivera-Campos

Customer Service Representative

Ana-Maria Rivera-Campos began her journey in the insurance industry in 2023 when she joined the agency team for Bonnie Smart. She supports customers with a variety of policy choices, including Home insurance, Auto insurance, Flood insurance, and more. Her favorite part of the job is the opportunity to connect with a wide range of people. Ana-Maria finds joy in hearing each customer’s unique story and values the insights and perspectives she gains from every conversation.
A natural people person, Ana-Maria brings warmth and energy to everything she does—traits she’s carried with her since her cheerleading days, which she began at just 4 years old and continued for 16 years. She shares a birthday with her daughter, a special bond that adds even more meaning to her favorite day of the year. Whether she’s helping a customer navigate their coverage or celebrating life’s moments, Ana-Maria’s passion and positivity shine through.

Daniel Flanagin

Customer Service Representative

Daniel Flanagin began his insurance career in 2023 when he joined Bonnie Smart’s Agency. He sells Home insurance, Auto insurance, Flood insurance, Renters insurance, and Umbrella Policies. Daniel takes great pride in helping people who may be new to insurance or those looking to better understand their existing policies. His goal is to help every customer feel informed and confident in the protection they have in place.
Daniel is an avid diver who finds peace exploring the underwater world. He’s also a dedicated animal lover, always quick to share a story or photo of a furry (or finned) friend. His mix of knowledge, patience, and genuine care makes him a valuable resource for anyone seeking insurance assistance.

Cassandra Knowles

Licensed Sales Producer

Cassandra has been in the insurance industry since 2022 and joined the Allstate team in 2023. She specializes in personal lines, with a current focus on auto insurance. Cassandra loves getting to know customers and helping them protect what matters most. Her genuine passion for helping others shines through in every conversation. Cassandra speaks fluent French and was a competitive gymnast for 15 years.

Brielle Flanagin

Customer Service Representative

Brielle has been part of our agency for the past nine years, beginning as a high school and college intern before transitioning into a larger role. She recently earned her Bachelor of Science in Finance and Master’s in International Business from the University of Florida. When she’s not helping customers, you’ll likely find her baking something delicious. Go Gators!

Frank Carl

Sr Licensed Sales Producer

Allstate Insurance Agent Reviews

charlotte orton

Aug. 11, 2026

ethel warshafsky

Aug. 8, 2026

Agent Response

Thank you, Ethel, for your wonderful review! We're

Thank you, Ethel, for your wonderful review! We're thrilled to hear that you had a positive experience with us. Your trust and satisfaction are incredibly important, and we're grateful for your continued support. If you ever need assistance, feel free to reach out.

jameelah jackson

Aug. 7, 2026

Agent Response

Hi Jameelah, thank you for sharing your feedback.

Hi Jameelah, thank you for sharing your feedback. I'm sorry to hear about your experience. We value your input and would like to address your concerns. Please feel free to reach out to us at bonniesmart@allstate.com so we can assist you further. Your satisfaction is important to us.

vivian valentin

Aug. 6, 2026

I like the way they communicate with each other. They are very knowledgeable.

Agent Response

Thank you, Vivian, for your wonderful feedback! We

Thank you, Vivian, for your wonderful feedback! We're thrilled to hear that you appreciate our team's communication and expertise. It's our goal to provide knowledgeable service to all our clients. We look forward to continuing to serve you!

jeremy redfield

Aug. 3, 2026

Agent Response

Thank you, Jeremy, for your positive feedback! We'

Thank you, Jeremy, for your positive feedback! We're thrilled to know you're satisfied with our services. As a valued customer, your trust means a lot to us. If you ever need assistance, feel free to reach out.

deborah basile

Aug. 2, 2026

Agent Response

Thank you, Deborah, for your wonderful feedback! Y

Thank you, Deborah, for your wonderful feedback! Your trust and support as a valued customer mean a lot to us. If you ever have any questions or need assistance, feel free to reach out.

richard gunn

Aug. 2, 2026

Agent Response

Thank you, Richard, for your positive feedback and

Thank you, Richard, for your positive feedback and the perfect rating! If you ever need assistance, feel free to reach out.

barbara kaiwi

Jul. 28, 2026

My experience was excellent Timely response on phone calls as well as emails and texts. I would highly recommend you and

My experience was excellent
Timely response on phone calls as well as emails and texts. I would highly recommend you and your team to my friends and family which I had mentioned to them several times and given them your information Bonnie thank you again.

Agent Response

Thank you, Barbara, for your kind words and recomm

Thank you, Barbara, for your kind words and recommendation! We're thrilled to hear about your excellent experience with our team. It's wonderful to know that our timely responses have made a positive impact. We truly appreciate your support and trust.

dorothy bailey

Jul. 26, 2026

very pleased

Agent Response

Thank you, Dorothy, for your positive feedback! We

Thank you, Dorothy, for your positive feedback! We're thrilled to hear that you're very pleased with our services. Your satisfaction is our top priority, and we look forward to continuing to meet your insurance needs.

beatrice horowitz

Jul. 22, 2026

Agent Response

Thank you, Beatrice, for your wonderful review! As

Thank you, Beatrice, for your wonderful review! As a valued customer, your trust and satisfaction are incredibly important to us. If you ever need assistance, feel free to reach out.

cynthia wrinn

Jul. 22, 2026

Agent Response

Thank you, Cynthia, for the 5 star review. We appr

Thank you, Cynthia, for the 5 star review. We appreciate your support!

daryl houston

Jul. 22, 2026

My experience with Allstate to date has been very good.

Agent Response

Thank you, Daryl, for sharing your positive experi

Thank you, Daryl, for sharing your positive experience with us at Allstate. We're thrilled to hear that your experience has been very good. If you ever have any questions or need assistance, feel free to reach out. We appreciate your feedback and look forward to continuing to serve you!

gregory atherton

Jul. 22, 2026

Agent Response

Thank you, Gregory, for the 5-star review. We appr

Thank you, Gregory, for the 5-star review. We appreciate your support! If you ever need assistance, feel free to reach out.

yuliya kostina

Jul. 15, 2026

Agent Response

Thank you, Yuliya, for your positive feedback and

Thank you, Yuliya, for your positive feedback and perfect rating! As a valued customer, your trust and support mean a lot to us. If you ever need assistance, feel free to reach out.

vincent j cappiello

Jul. 9, 2026

Agent Response

Thank you, Vincent, for your positive feedback and

Thank you, Vincent, for your positive feedback and for being a valued customer. We're thrilled to know you're satisfied with our services. Your trust and support mean a lot to us. If you ever need assistance, feel free to reach out.

dorette robinson

Jul. 9, 2026

Was a little disappointed with auto ristrictions

Agent Response

Thank you, Dorette, for your positive feedback! We

Thank you, Dorette, for your positive feedback! We're thrilled to hear that you're satisfied with our services. Your trust and support as a valued customer mean a lot to us. If you ever need assistance, feel free to reach out.

harley collins

Jul. 4, 2026

Agent Response

Thank you so much, Harley, for your positive feedb

Thank you so much, Harley, for your positive feedback! We're thrilled to hear that you had a great experience with us. As a valued customer, your satisfaction is our top priority. If you ever need assistance, feel free to reach out.

roy kremer

Jul. 2, 2026

Excellant service all around.

Agent Response

Thank you, Roy, for your kind words and perfect ra

Thank you, Roy, for your kind words and perfect rating! We're thrilled to hear that you had an excellent experience with our service. Your satisfaction is our top priority, and we look forward to continuing to meet your insurance needs.

james jesse

Jun. 25, 2026

Agent Response

Thank you, James, for your positive feedback and p

Thank you, James, for your positive feedback and perfect rating! We're thrilled to know you're satisfied with our services. Your trust and support as a valued customer mean a lot to us. If you ever need assistance, feel free to reach out.

jose ayala

Jun. 15, 2026

I have been with this agency for over 3+ years and service, reminders, offers to find best coverage are solid and helps

I have been with this agency for over 3+ years and service, reminders, offers to find best coverage are solid and helps me make right decisions. Great agency to work with and to help you feels secure.

Agent Response

Thank you, Jose, for being with us for over three

Thank you, Jose, for being with us for over three years. We're thrilled to hear that our service, reminders, and coverage offers have been helpful in making the right decisions. Your trust and satisfaction are important to us, and we're here to ensure you feel secure with your insurance needs. If you ever have any questions or need further assistance, feel free to reach out.

Allstate Online Review Policy

Your Local Allstate Team

Bonnie Smart

Agency Owner- Personal Financial Representative

Lani Concepcion

Office Admin / Receptionist

Katia Cales

Licensed Sales Producer/Property Agent

Daniel Penate

Licensed Sales Producer

Kim Corbett

Sr Sales Agent/Property Specialist

Militza Lopez

Customer Service Resolution Specialist & Licensed Agent

Melissa Concepcion

Administrative Assistance

Ana-Maria Rivera-Campos

Customer Service Representative

Daniel Flanagin

Customer Service Representative

Cassandra Knowles

Licensed Sales Producer

Brielle Flanagin

Customer Service Representative

Frank Carl

Sr Licensed Sales Producer

Frequently asked questions

What are your agency hours?

Monday: 8:30 AM - 5:30 PM
Tuesday: 8:30 AM - 5:30 PM
Wednesday: 8:30 AM - 5:30 PM
Thursday: 8:30 AM - 5:30 PM
Friday: 9:00 AM - 5:00 PM
Saturday: Closed
Sunday: Closed

Are you open on weekends?

Saturday: Closed
Sunday: Closed

Can I text your agency with questions?

No, we do not have text messaging services.

What languages do you speak?

We have staff members available who speak the following languages: English, Spanish

Do you have more than one location?

No, this is our only location.

*Note: In Florida, Allstate agencies are authorized to represent a number of companies that are part of the Allstate family. Through these separate and distinct companies a wide variety of insurance products are available. For example, auto insurance in Florida is available from Allstate Insurance Company, Allstate Indemnity Company and Allstate Property and Casualty Insurance Company(Home Office:Northbrook, IL). Property insurance, such as homeowners, condominium owners and renters insurance is available in Florida from Castle Key Insurance Company and Castle Key Indemnity Company(Home Offices: St. Petersburg, FL).

It's important to note that Castle Key Insurance Company and Castle Key Indemnity Company are separate and distinct companies from each other and from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Life Insurance Company. This means, for example, that property insurance products provided by Castle Key Insurance Company and Castle Key Indemnity Company are not underwritten or reinsured by Allstate Insurance Company or Allstate Life Insurance Company.

Bonnie Smart is insurance licensed in the state(s) of Florida. If you do not reside in the state(s) of Florida, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.

Based on coverages selected. Subject to terms, conditions, availability & qualifications.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate North American Insurance Co. and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 151 North 8th Street, Suite 450, Lincoln, NE 68508. (877) 232-2142.

Check the background of this firm on FINRA's BrokerCheck website.

you're in good hands^®