Insurance Broker in Manassa, CO

Welcome to Smith Insurance, where protecting what matters most to you is our top priority. As your trusted insurance broker serving Manassa, Colorado, we are proud to support individuals, families, farmers, and businesses throughout this close-knit southern Colorado community. Whether you’re looking to insure your home, vehicle, life, business, or farm, we offer personalized insurance solutions that reflect your values, your goals, and your lifestyle.

Located in the heart of Conejos County, Manassa is known for its strong agricultural heritage, family-centered living, and the iconic Manassa Pioneer Days. At Smith Insurance, we recognize that small-town life brings unique opportunities and risks. That’s why we focus on local expertise, honest guidance, and friendly service that puts your needs first.

As independent brokers, we aren’t tied to any single insurance company. That means we can shop multiple top-rated carriers to find you the best coverage and value. You get choices, competitive pricing, and expert help from a team that understands what it means to live and work in rural Colorado.

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Why Choose Smith Insurance?

Choosing the right insurance provider isn’t just about finding the lowest rate; it’s about finding someone who truly understands your needs and looks out for you in the long run. Here’s what makes Smith Insurance the right fit for Manassa.

Independent, Not Captive

We work for you, not the insurance companies. Because we’re not restricted to a single carrier, we can compare quotes and policy options across the industry to find coverage that fits your situation and budget. Our advice is always based on what’s best for you, not what we’re told to sell.

Personalized, One-on-One Service

At Smith Insurance, you’re not a policy number. We take time to get to know you, ask the right questions, and understand your goals. Whether you need basic auto coverage or a complex farm insurance package, we provide tailored solutions and walk you through every step.

Local and Experienced

With 16 years of combined experience, Michael and Kelseigh lead our team with practical knowledge and a strong commitment to service. We live in the same region, drive the same roads, and face many of the same challenges you do. That local perspective helps us offer relevant, realistic recommendations.

Licensed in Five States

We’re licensed in Colorado, New Mexico, Arizona, Utah, and Texas. If you own property across state lines or relocate for work, family, or retirement, we can still serve you with continuity and care.

Auto Insurance
in Manassa, CO

Driving in the San Luis Valley means being prepared for everything from winter storms to unexpected wildlife crossings. Whether you drive into Alamosa for work, haul trailers, or take your kids to school on country roads, our auto insurance options provide protection, peace of mind, and flexibility.

Liability Insurance

Covers the costs if you’re found legally responsible for a crash that causes injury or property damage to others. Colorado requires minimum liability limits, but we’ll help you assess whether those limits are enough for your situation.

Comprehensive Insurance

Protects your vehicle from non-collision events like fire, hail, theft, vandalism, or damage from hitting a deer. This is especially valuable for drivers in rural areas where weather and wildlife risks are common.

Collision Insurance

If your vehicle is damaged in an accident, whether with another car or a fixed object, collision coverage helps pay for repairs or replacement. It’s especially important for newer vehicles or those with outstanding loans.

We also offer extras such as roadside assistance, uninsured motorist coverage, and rental reimbursement. Our goal is to build a policy that truly works for you.

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Home and Renters Insurance
in Manassa

Owning or renting a home in Manassa means taking pride in your property and your community. We offer homeowners and renters insurance that provides comprehensive protection against damage, theft, and liability.

Homeowners Insurance

Protects the structure of your home, your personal belongings, and your financial future in case of fire, storms, vandalism, or other covered events. We ensure that your coverage reflects current rebuild costs so you’re not left underinsured.

Personal Property Coverage

Your policy can cover the loss or damage of your belongings, including appliances, furniture, electronics, and clothing. Whether caused by a fire, water leak, or burglary, we’ll help you recover quickly.

Liability Protection

If someone is injured on your property, or if you accidentally cause damage to someone else’s, this coverage helps with medical bills, legal fees, and settlements.

Renters Insurance
Renting in Manassa? Renters insurance protects your possessions and provides liability coverage, often for less than the cost of a monthly streaming subscription.

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Life Insurance:
A Plan for the Future

Life insurance is about making sure your family is financially secure, no matter what happens. We offer life insurance policies that help you leave a legacy, pay off debt, or replace income so your loved ones can stay afloat during a difficult time.

Term Life Insurance

Affordable and simple, term life offers coverage for a specific time period. It’s ideal for young families, new homeowners, or anyone needing protection during their working years.

Whole Life Insurance

Provides lifelong coverage and includes a savings component that builds cash value. You can borrow against it, use it to cover final expenses, or leave a tax-free inheritance.

Universal Life Insurance

Gives you adjustable coverage and premiums, with an investment component. It offers flexibility as your financial needs evolve.

Long-Term Care and Disability Coverage

We also offer policies that help cover costs if you’re injured, ill, or need in-home or nursing care. These plans help protect your savings and income during unexpected life events.

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Business Insurance
for Manassa Entrepreneurs and Farmers

Whether you run a small retail store, work as a contractor, or manage a multigenerational farm, Smith Insurance offers business policies tailored to your needs. We understand the unique risks of rural business and agriculture.

General Liability Insurance

Essential for almost every type of business, this covers third-party injury, property damage, and legal claims. Whether a customer slips in your store or you accidentally damage a client’s property on the job, this coverage has your back.

Property Insurance

Protects buildings, equipment, tools, and inventory from loss due to fire, storms, or theft. Especially valuable for businesses with physical assets.

Workers’ Compensation

Required for many employers in Colorado, this provides wage replacement and medical care if an employee is injured on the job.

Farm and Ranch Insurance

We proudly serve Manassa’s agricultural community with farm-specific policies that protect buildings, machinery, livestock, crops, irrigation equipment, fencing, and more. Whether you’re raising cattle or harvesting hay, we’ll help cover your operation.

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Recreational Insurance
in Manassa

Rural living often comes with outdoor fun. If you own recreational vehicles such as ATVs, RVs, boats, or snowmobiles, we’ll help you insure them with policies that match how you use them.

Boat Insurance

From storage to open water, boat insurance protects against damage, theft, and liability. Whether you fish nearby lakes or tow your vessel across the state, we’ll make sure you’re covered.

ATV, RV, and Snowmobile Coverage

Protects your recreational vehicles from collisions, rollover damage, theft, and injury-related liability. We’ll help you keep your toys protected wherever you ride.

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Rental and Investment Property Insurance
in Manassa

If you own income property in or around Manassa, we offer insurance that protects your buildings, your rental income, and your liability.

Dwelling Coverage

Covers damage to the structure of your rental home due to fire, wind, or other hazards. Ideal for landlords of all types.

Loss of Income

If a covered event makes your property uninhabitable, this helps replace lost rental income while repairs are made.

Liability Coverage

Protects you from legal and medical costs if a tenant or guest is injured on your rental property.

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FAQs

1. Why should I work with a broker instead of buying directly from an insurance company?

As brokers, we offer access to multiple insurance companies instead of just one. That means we can compare policies and prices from several carriers to find you the best value. You’ll get more choices, more flexibility, and personalized advice from someone who’s looking out for your best interests, not the insurance company’s. We also act as your advocate if you ever need to file a claim or adjust your coverage.

2. Can I bundle my auto and home insurance to save money?

Yes. Bundling home and auto insurance (or adding life or recreational insurance to the bundle) often unlocks significant discounts. Many insurance companies reward customers who hold multiple policies. We’ll walk you through which combinations save the most and make sure the coverage stays strong while saving you money.

3. Do you only serve Manassa residents?

Not at all. We serve the entire Conejos County area and much of the San Luis Valley, including Sanford, La Jara, Romeo, Alamosa, Monte Vista, and beyond. We’re also licensed in four other states, Arizona, New Mexico, Texas, and Utah, so we can help you even if you own property out of state or are moving.

4. How quickly can I get insured?

Many policies, like auto, renters, or home insurance, can be quoted and activated the same day. More complex coverage such as business, life, or farm insurance may require additional details and underwriting, but we move quickly and keep you informed. Our goal is to get you covered as efficiently as possible.

5. What do I do if I need to file a claim?

Call us first. We’ll explain the process, help you gather the necessary documentation, and even communicate with the insurance company on your behalf if needed. Our job doesn’t end when the policy is written. We’re here to support you through claims, questions, and policy reviews whenever you need us.

Map Section

At Smith Insurance, we are proud to serve Manassa and its surrounding areas. Please refer to the map below for our service area.

Need an Insurance Broker
in Manassa, CO?

If you’re looking for a trusted, experienced, and approachable insurance broker in Manassa, we’d be honored to help. At Smith Insurance, we combine local values with expert advice and access to competitive insurance markets. Let us help you protect your property, your family, your livelihood, and your future.

Let’s protect what matters, right here in Manassa, Colorado. We’re ready when you are.

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Monday:	9 AM – 5 PM
Tuesday:	9 AM – 5 PM
Wednesday:	9 AM – 5 PM
Thursday:	9 AM – 5 PM
Friday:	9 AM – 5 PM
Saturday:	Closed
Sunday:	Closed