Insurance Broker in Antonito, CO
Welcome to Smith Insurance, where our mission is to protect what matters most to you. As a locally rooted insurance broker serving Antonito, Colorado, and surrounding areas, we are proud to offer personalized insurance solutions that meet the unique needs of our community. Whether you’re looking for auto, home, life, or business insurance, our experienced team is here to provide guidance, clarity, and real value.
Antonito is a quiet and welcoming town at the southern gateway of the San Luis Valley, known for its rich history, beautiful landscapes, and strong sense of community. We understand the lifestyle, the challenges, and the opportunities that come with living in this part of Colorado; and we’re here to make sure you’re covered, no matter what life throws your way.
As an independent insurance agent, we’re not tied to one company. That means we can compare policies from a variety of carriers and focus on finding the coverage that’s truly right for you. Our priority is your protection, not the insurance company’s bottom line.
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Auto Insurance
in Antonito, CO
Liability Insurance
Liability coverage helps protect you if you’re found at fault in an accident. It covers damage to other vehicles or property and medical expenses for injured parties. In Colorado, this is required by law, but we also help you choose higher limits if needed for stronger protection.
Comprehensive Insurance
This covers unexpected events like hail damage, wildlife collisions, theft, or vandalism, things that aren’t tied to a crash. Antonito’s rural surroundings mean comprehensive coverage can be particularly valuable.
Collision Insurance
If you’re in an accident with another vehicle or an object like a fence or utility pole, collision insurance pays for repairs to your car. Whether you’re driving through snowy mountain passes or navigating town roads, this coverage gives peace of mind.
We work with drivers of all backgrounds and vehicle types. From new drivers to retirees, we’ll find coverage that fits your needs and budget.
Home and Renters Insurance
in Antonito
Property Damage Protection
Covers the physical structure of your home in case of fire, wind, snow, hail, vandalism, or other covered events. We’ll help you ensure you have enough coverage to rebuild your home completely if needed.
Personal Property Coverage
Covers your belongings, from furniture and electronics to clothing and tools, if they’re damaged or stolen. We’ll make sure your policy reflects the true value of your possessions.
Liability Protection
If someone slips and falls on your property or if your child accidentally damages a neighbor’s property, liability coverage helps protect you from financial fallout.
We also offer renters insurance for those leasing apartments or homes in Antonito. Even if your landlord has insurance on the building, your personal items and liability exposures still need to be covered. Renters insurance is affordable and often essential.
Life Insurance:
Protecting What’s Most Important
Term Life Insurance
Provides coverage for a specific time period, such as 10, 20, or 30 years. Ideal for those who want affordable coverage during their working years or while raising children.
Whole Life Insurance
Offers lifetime coverage with a cash value component that grows over time. This policy builds savings while protecting your family.
Universal Life Insurance
A flexible life insurance option that includes an investment component. You can adjust your premium and coverage as your needs evolve.
Long-Term Care and Short-Term Disability
Long-term care insurance helps pay for in-home assistance or nursing care as you age. Short-term disability provides income replacement if you’re temporarily unable to work due to illness or injury. These products are important for safeguarding your income and independence.
We’ll walk you through your options and help you find the right coverage to give you and your family lasting peace of mind.
Business Insurance for Antonito
Entrepreneurs and Farmers
General Liability Insurance
Protects you if someone is injured on your premises or if your business is held responsible for property damage or advertising harm. It’s essential for almost every type of business.
Commercial Property Insurance
Covers damage to buildings, equipment, inventory, and tools from fires, storms, or other perils. If your business relies on physical space or assets, this coverage is crucial.
Workers’ Compensation
Provides coverage for employees injured on the job. Not only is it legally required in many cases, but it also shows that you value and protect your team.
Farm and Ranch Insurance
Specialized policies for Antonito’s farmers and ranchers. We cover barns, fencing, livestock, machinery, feed, and more. If your livelihood depends on the land, we’ll help you protect it with confidence.
No matter your industry, we understand the local economy and the unique needs of small-town business owners.
Recreational Insurance:
Play with Peace of Mind
Boat Insurance
Covers damage, theft, and liability while you’re on the water. A must-have if you enjoy fishing trips or summer excursions.
ATV, RV, and Snowmobile Insurance
Your off-road adventures should be stress-free. We provide policies that cover accidents, theft, and damage to recreational vehicles.
If it moves, floats, or rides, and you use it for fun, we can help you insure it.
Investment and Rental
Property Insurance
Property Damage
Protects your buildings from fire, storms, vandalism, and other threats. We tailor coverage to each property’s location and condition.
Loss of Income
If a covered event forces your tenants to move out temporarily, this coverage replaces lost rental income during repairs.
Liability Protection
Covers your legal exposure if someone is injured on your rental property. It’s an important safeguard for landlords of any size.
Whether you manage one rental or several, we’ll help you create a policy that shields your investment from the unexpected.
Map Section
At Smith Insurance, we are proud to serve Antonito and its surrounding areas. Please refer to the map below for our service area.
Need an Insurance Broker
in Antonito, CO?
If you’re searching for a knowledgeable, friendly, and responsive insurance broker in Antonito, we’d love the opportunity to earn your trust. At Smith Insurance, we believe insurance should be personal, not confusing. Let us help you protect your future with coverage that makes sense for your life.
Call us today for a free quote, schedule a consultation, or simply ask a question. We’re here to make insurance easier, one client at a time.
Protect What Matters Call Smith Insurance