At Smith Insurance, we’re excited to welcome you into our community! With over 16 years of combined experience, we, Michael and Kelseigh, are dedicated to helping you navigate the often complicated world of insurance with ease. As your trusted independent insurance broker offering personalized coverage solutions, we are here to deliver reliable, affordable, and tailored insurance options to meet your unique needs. Whether you are searching for affordable auto insurance for young drivers, comprehensive home insurance, or business coverage, we’ve got you covered.

Who Are We?

We are a locally owned and operated insurance brokerage with a deep commitment to serving our clients across five states: Colorado, Arizona, New Mexico, Texas, and Utah. Our licenses in these areas allow us to bring a deep understanding of the region’s insurance requirements, providing solutions that are not just generic but customized to local needs.

Why Choose Smith Insurance?

Choosing the right insurance broker can make all the difference in ensuring you’re properly protected without overpaying for coverage. Here’s why we believe Smith Insurance should be your first choice:

Independent Brokerage

As an independent insurance broker, we have the flexibility to work with a wide range of insurance carriers, giving us the ability to shop around for the best rates and policies on your behalf. Unlike captive agents who are tied to a single company, we are not beholden to any one insurance provider. This allows us to offer you personalized coverage solutions that truly reflect your needs and budget. We are constantly reviewing and comparing policies to ensure that our clients receive not only the most comprehensive coverage but also the most competitive pricing available.

Personalized Service

At Smith Insurance, you are never just another client. We pride ourselves on providing personalized service, and we take the time to get to know you. Understanding your specific needs allows us to recommend the best coverage options that suit your lifestyle and budget. Whether you’re a young driver seeking affordable auto insurance or a business owner looking for a customized commercial policy, we ensure you feel heard and supported throughout the process.

Our approach is relationship-driven. Building long-term partnerships with our clients is at the heart of what we do. We believe that by understanding the details of your life, your home, your vehicles, and your business, we can provide insurance solutions that offer you peace of mind.

Comprehensive Coverage

Smith Insurance offers a full range of insurance products to meet your every need:

• Auto Insurance: Whether you’re a first-time driver, a parent insuring a teenage driver, or simply looking to save on premiums, we can find affordable auto insurance for young drivers and experienced motorists alike. Our policies can help protect you from the unexpected, including accidents, theft, and liability.
• Home and Renters Insurance: Your home is likely your biggest investment, and we’ll help you protect it with coverage options tailored to your unique needs. From homeowners’ insurance to renters’ policies, we can provide protection for your property, valuables, and liability concerns.
• Life Insurance: Secure your family’s future with life insurance policies that suit your long-term goals. We offer a variety of term life, whole life, and universal life insurance products designed to provide financial security to your loved ones in the event of an unforeseen tragedy.
• Business Insurance: Running a business comes with inherent risks. Let us help you mitigate those risks with comprehensive business insurance coverage. Whether you’re a small business owner or manage a larger operation, we can help safeguard your assets, employees, and property.

We understand that each person and each business has unique circumstances, and that’s why our offerings are not “one size fits all.” From auto insurance to business protection, we take the time to find the perfect policy for you.

Our Commitment to You

At Smith Insurance, we’re not just in the business of selling insurance—we’re in the business of providing peace of mind. We know how stressful it can be to choose the right coverage, which is why we’ve made it our mission to simplify the process for you. Our commitment to service is built on three pillars:

1. Transparency: We believe that the best insurance decisions are informed ones. We explain every detail of your coverage options in plain language, helping you understand exactly what you’re getting and what you might not need. No jargon, no hidden fees—just honest advice.
2. Reliability: When you choose Smith Insurance, you’re choosing a partner you can count on. Whether you need to file a claim, update your coverage, or just ask a question, we’re here for you. We make it a priority to respond to our clients quickly and efficiently.
3. Affordability: We understand that price is a big concern when it comes to insurance, especially for young drivers seeking affordable auto insurance or families looking for budget-friendly home and life policies. That’s why we work hard to ensure you’re getting the best deal without compromising on coverage. We’ll negotiate with providers and adjust your policies as needed to keep your rates affordable year after year.

Serving You Locally

Our local expertise in the states of Colorado, Arizona, New Mexico, Texas, and Utah sets us apart. Each state has its own unique requirements and regulations when it comes to insurance. We understand the specifics, from state-mandated auto coverage minimums to the types of home insurance required in areas prone to natural disasters like wildfires and floods.

By offering solutions that are tailored to your local environment, we ensure that your policy not only meets legal requirements but also provides appropriate protection against the risks most common in your area. Whether you’re insuring a vehicle in the bustling cities of Texas or safeguarding a home in the scenic landscapes of Utah, our local knowledge is key to delivering superior insurance solutions.

Ready to Get Started?

At Smith Insurance, we are passionate about helping you protect the things that matter most in your life. From affordable auto insurance for young drivers to safeguarding your family home or ensuring your business runs smoothly, we offer insurance solutions tailored to meet your needs.

We invite you to experience the Smith Insurance difference today. Contact us for a free, no-obligation quote or to learn more about how we can help protect your assets with customized insurance coverage. Let us help you find the right coverage at the right price, giving you the peace of mind you deserve.

We look forward to building a lasting relationship with you and becoming your trusted insurance partner for years to come. Thank you for considering Smith Insurance!