Insurance Broker in Montrose, CO
Welcome to Smith Insurance, your trusted insurance broker serving Montrose, Colorado. We are proud to serve the residents and businesses of this beautiful Western Slope community with comprehensive, personalized insurance solutions. Whether you are a homeowner, driver, business owner, or farmer, our mission is to help you protect what matters most with insurance coverage that fits your life.
Montrose is a city rich in natural beauty, community pride, and economic diversity. From its bustling downtown and thriving outdoor recreation economy to the hardworking ranchers and families that shape this region, Montrose offers something for everyone. As a locally rooted independent insurance broker, we understand the risks and rewards of life here, and we are committed to making insurance simple, accessible, and dependable for all.
Unlike captive agents who can only offer products from one company, we work independently and have access to a broad range of insurance carriers. That gives us the flexibility to compare multiple policies and find the best combination of coverage and price, always with your needs and goals in mind.
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Auto Insurance
in Montrose, CO
Liability Coverage
This essential coverage protects you if you are at fault in an accident that causes injury or property damage to someone else. Colorado law requires minimum liability coverage, but we often recommend higher limits to better protect your financial future in the event of a serious accident.
Comprehensive Coverage
This covers non-collision events such as theft, vandalism, weather damage, and animal strikes. Living in Montrose means exposure to seasonal hailstorms, wildlife crossings, and even the occasional wildfire. Comprehensive insurance gives you peace of mind when nature takes its course.
Collision Coverage
If you hit another vehicle or object, collision coverage pays to repair or replace your vehicle. Whether you’re involved in a minor fender bender or a more serious crash, this coverage ensures you are not left with out-of-pocket expenses that could derail your finances.
We also offer uninsured and underinsured motorist coverage, roadside assistance, and rental car reimbursement. No matter your vehicle type or driving habits, we will help you build an auto policy that works for you.
Homeowners and Renters Insurance
in Montrose
Property Coverage
This protects your home or rental unit from damage caused by fire, wind, hail, storms, vandalism, and other covered risks. We tailor your policy to reflect replacement costs, not just market value, ensuring that your coverage is sufficient to rebuild if necessary.
Personal Belongings
If your home is broken into or your possessions are damaged by a covered event, your policy can help pay to replace everything from furniture and clothing to electronics and appliances.
Personal Liability
If someone is injured on your property or you accidentally cause damage to someone else’s property, liability coverage protects you from lawsuits, medical expenses, and legal costs.
Renters insurance is also available for those leasing homes or apartments in Montrose. It provides valuable protection for your personal belongings and liability exposure at a very affordable rate.
Life Insurance:
Planning for the Unexpected
Term Life Insurance
A cost-effective option that provides coverage for a set period, typically 10, 20, or 30 years. It’s ideal for young families, homeowners with a mortgage, or anyone with short- to mid-term financial obligations.
Whole Life Insurance
This policy provides lifelong coverage and includes a savings component that builds cash value over time. It’s a stable, long-term way to protect your loved ones while growing a financial asset.
Universal Life Insurance
Universal life combines lifetime coverage with adjustable premiums and a cash value component. It’s a flexible option that allows you to change your coverage as your financial needs evolve.
Long-Term Care and Short-Term Disability
We also offer policies to protect your income and quality of life in the event of illness or injury. Long-term care insurance helps cover the cost of in-home or assisted living services. Short-term disability provides income if you are temporarily unable to work.
We will walk you through your life insurance options and help you build a plan that offers the right protection for your future.
Business Insurance
in Montrose, CO
General Liability Insurance
This essential coverage protects your business from claims related to bodily injury, property damage, and personal injury. It is often required for contracts and commercial leases and is critical for your legal protection.
Commercial Property Insurance
Whether you own or lease your space, this coverage protects your building, inventory, equipment, and furniture from damage or loss due to fire, theft, or other covered events.
Workers’ Compensation
Required in Colorado for many businesses, this provides benefits for employees who are injured on the job, including medical care and wage replacement.
Farm and Ranch Insurance
We understand the needs of Montrose’s agricultural community. We offer customized farm and ranch policies that include coverage for barns, machinery, livestock, fencing, irrigation systems, and more. Whether you manage a vineyard, a cattle operation, or a hay farm, we will help you insure every part of your livelihood.
Recreational Insurance
for Outdoor Enthusiasts
Boat Insurance
Covers liability, theft, collision, and damage from weather or transport incidents. Whether you boat on Ridgway Reservoir or tow your vessel to larger lakes, this coverage travels with you.
RV, ATV, and Snowmobile Insurance
From weekend getaways to backcountry excursions, your recreational vehicles need coverage for accidents, injuries, and property damage. We will help you choose a policy that matches your usage and vehicle type.
Investment and Rental
Property Insurance
Dwelling Coverage
Protects your property from damage due to fire, weather, or other risks. This applies whether you own single-family homes, duplexes, or multi-unit buildings.
Loss of Income
If a covered event forces you to relocate your tenants or complete repairs, this coverage replaces lost rental income.
Landlord Liability
Provides legal and medical protection in the event that a tenant or guest is injured on your rental property.
Whether you are managing a small portfolio or just getting started, we will help you insure your properties with confidence.
Map Section
At Smith Insurance, we are proud to serve Montrose and its surrounding areas. Please refer to the map below for our service area.
Need an Insurance Broker
in Montrose, CO?
When it comes to protecting your family, property, or business, you deserve a partner who listens, understands, and delivers results. At Smith Insurance, we combine local knowledge with national resources to provide smart, customized insurance coverage backed by personal service.
Call today to speak with one of our team members, request a quote, or schedule an in-person consultation.