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Personal Insurance

Auto | Homeowner | Life | More

Smart Insurance is a local, independent insurance agency that provides tailored, personalized insurance coverage at a price that matches your budget.

Our professional agents will listen to your unique insurance needs and offer solutions for your specific situation. Learn more about our insurance products below.

You have a lot of choices when it comes to how and where you buy your car insurance. Choosing an independent insurance agent like Smart Insurance ensures you still have choices, but also have a trusted advisor that you can depend on to help you find the policy that best fits your needs.

Smart Insurance works with a wide range of insurance companies that offer reliable car insurance. Contact us today to find out how we can help you.

Homeowner

Wherever it is that you call home, whether a spralling estate in the country, a quiet suburban house, or a bustling downtown condo, Smart Insurance can help you find the right home insurance policy that fits your needs.

Whether you are buying your first home, relocating to the area, or simply reviewing your home insurance, Smart Insurance is here for you. Our goal is to make it easy to choose insurance policy options that work for you. Contact us today to find out what we can offer you.

Life insurance policies are unique and depend on your personal and financial needs. As your life changes, your life insurance should evolve. Getting married, having a baby, purchasing your first home, starting a business, or retiring all warrant a review of your life insurance policy.

Smart Insurance can help you weigh your life insurance options. The choices can be overwhelming for the average person, and it's our goal to make the decision easier. We'll look at different insurance companies and coverage types and help you determine the best fit for your current situation.

Renters

Whether you’re shopping for your college student, just starting out yourself, between houses, relocating, or simply downsizing, Smart Insurance can help you pick the renters insurance policy that best fits your needs.

We partner with reputable insurance companies to ensure a wide range of choices to meet your unique needs. Be sure to ask us about discounts for apartments with security systems and customers who insure their cars with the same company as their renters insurance policy.

Your time out on the water should be relaxing and fun (and safe!). Be sure your watercraft and equipment is properly insured. Smart Insurance offers customized policies that meet your needs and your budget. Our partnership with multiple insurance companies allows us to find just the right coverage for you.

Whether you've bought your first boat, expanded your fleet to include a couple of JetSkis, or are simply reviewing your options, Smart Insurance can help with your boat insurance needs. Contact us today to find out how we can help you.

Motorcycle

If you're shopping for insurance for your first motorcycle, you have a lot of coverage options to consider. Smart Insurance can help you look at all the choices, and put together a motorcycle insurance policy that works for you and your budget.

If you're looking to insure your newly upgraded ride, or simply reviewing your policy (always a smart idea!), we're happy to help you explore all of your motorcycle insurance options.

Let Smart Insurance review your needs and make a recommendation for a policy that fits your unique needs. Contact us today to learn more.

While your condo association likely carries an insurance policy that covers their property and the physical structures as well as common areas on the property, as a condo-owner, you want to ensure your property and possessions are adequately covered. From your appliances to your personal possessions to the upgrades you've added to the unit, Smart Insurance can help you ensure that you're insured.

Smart Insurance partners with many insurance companies that offer complete condo insurance. Contact us today to find out how we can help you.

RV

Whether you hit the road a couple times per year or spend months at a time seeing the countryside from your RV, Smart Insurance can help find the right RV insurance policy for you.

The insurance companies we work with provide a wide range of coverage options, from vacation liability to 24/7 roadside assistance.

Smart Insurance has helped many RV owners with their insurance needs. Contact us today to find out how we can help you too.

As a rental property owner, you're no stranger to the challenges that come with being a landlord. No two rental properties are the same, and the insurance coverage needed for your real estate investments is just as unique. While you don't need to worry about insuring the personal possessions of your tenant, there's a whole host of other coverages to consider, from liability coverage for legal fees to workers compensation for your maintenance or administrative employees.

Smart Insurance works with insurance companies that offer insurance packages specifically for landlords. Contact us today to find out more.

Flood

It's an oddity that flooding is the most common natural disaster in the United States, yet it's not covered under a standard home insurance policy. While not every home is at high risk for flooding, it's important to understand how risk is identified and whether flood insurance is something you should consider.

Smart Insurance insures homes of all kinds. Some homeowners definitely need flood insurance, while others don't live in a high-risk area and can get by without it. Let us evaulate your needs and help you decide if flood insurance is advisable. Contact us today to learn more.

Insurance for classic cars is a bit more involved than the average auto insurance policy, but Smart Insurance can help you find the right balance between coverage and your budget.

Whether your restoring an antique or just purchased a classic car, you'll want to protect your investement.

Smart Insurance works with insurance companies that specialize in insuring classic and antique cars. Contact us today to find out more.

Umbrella

Home and auto insurance policies have limits to how much will be covered. If faced with paying claims that are beyond what your insurance policy covers, an umbrella policy kicks in and provides you with additional protection.

Whether you're a homeowner or drive a car, motorcycle, boat, RV or ATV, an umbrella policy should be considered.

Smart Insurance works with many insurance companies who offer affordable umbrella policies. Contact us today to find out how we can help you.

90% of Americans live in areas considered seismically active, but most homeowner, condo, and renters insurance policies don't cover earthquake damage. The limits of what your policy covers can be confusing, but our professional agents have the experience to help you decide if you should consider earthquake insurance.

Smart Insurance works with many insurance companies that offer additional earthquake insurance. You may even be able to obtain a policy from the same company who insures your home. Contact us today to find out more.

Off Road Vehicle

From ATVs to golf carts to snowmobiles - whatever you drive for some off-road fun, we can help you insure it.

Smart Insurance works with many insurance companies that offer a range of discounts that you may qualify for.

We take pride in offering professional customer service for all our customers. We're committed to offering choices for all insurance needs and budgets. Contact us today to find out more.

Getting hitched? Congratulations! Planning a wedding is incredibly exciting (if not somewhat overwhelming). From selecting the right invitations to configuring seating arrangements to booking the honeymoon, it’s no wonder couples tend to get stressed while getting ready for the big day.

Disasters can strike even the most well-planned weddings. How do you protect yourself in case things go wrong? Consider wedding insurance – the greatest wedding gift you can give yourself. Wedding and event insurance isn’t only affordable; it’s also the best way to make sure you’re protected if a vendor no-shows, gifts get stolen or an unexpected health problem forces you to postpone.