Insurance Broker in Sanford, CO
Welcome to Smith Insurance, your reliable and local insurance broker proudly serving Sanford, Colorado, and the wider Conejos County area. We understand that protecting your home, vehicles, family, business, and farm isn’t just about policies and premiums; it’s about peace of mind. That’s why we make it our mission to offer personalized, clear, and affordable insurance solutions built around your life.
Sanford is a close-knit, rural town with strong family values and a strong sense of community. Whether you’re a homeowner, a rancher, a business owner, or raising a growing family, you want to know that you’re protected. At Smith Insurance, we’re here to help you do just that. As an independent insurance broker, we aren’t tied to any one company. That means we can shop around for the best rates and coverage from a wide network of top-rated insurance carriers.
With 16 years of combined experience, our team brings deep knowledge and a friendly, no-pressure approach to helping clients in Sanford find the right protection, whether it’s for today or tomorrow.
Auto Insurance
for Sanford Residents
Liability Coverage
Liability insurance pays for injuries or damages you cause to others in an accident. It’s legally required in Colorado and forms the backbone of any auto policy. We’ll help you determine the right liability limits to protect your finances without overpaying.
Comprehensive Coverage
Covers non-collision damage such as hail, fire, animal strikes, theft, or vandalism. In a rural area like Sanford, where you may encounter wildlife on the road or face unexpected weather events, this coverage can offer valuable protection.
Collision Coverage
If you’re involved in a crash, regardless of fault, collision insurance pays for damage to your own vehicle. This is especially important if you drive a newer car or rely on your vehicle every day.
We can also add coverage for uninsured drivers, towing and roadside assistance, and rental cars. No matter how you use your vehicle, we’ll find the right protection.
Home and Renters Insurance
in Sanford
Structural Coverage
Protects the physical structure of your home from covered losses such as fire, hail, wind, or vandalism. We ensure the coverage matches current rebuild costs, not just market value.
Personal Property Protection
Covers your belongings such as furniture, electronics, clothing, and appliances in case of fire, theft, or certain types of water damage.
Liability Protection
If someone is injured on your property or if you cause damage to someone else’s property, your homeowners or renters policy can help cover legal and medical costs.
Renters insurance is also a smart, affordable option for those leasing in Sanford. It covers your belongings and liability and is often required by landlords.
Life Insurance:
Protecting Your Family’s Future
Term Life Insurance
Covers you for a specific number of years and is a great option for those looking for affordable protection during key life stages such as raising children or paying off a mortgage.
Whole Life Insurance
Provides permanent coverage along with a cash value component that grows over time. It can be used as a savings vehicle, passed on to beneficiaries, or borrowed against if needed.
Universal Life Insurance
A flexible option that allows you to adjust your premiums and coverage as your needs change. It also builds cash value over time and can be a valuable long-term financial tool.
Additional Protection
We also offer long-term care insurance and short-term disability policies to help you manage life’s unexpected challenges such as injury, illness, or aging-related care needs.
Business Insurance
for Sanford’s Small Businesses and Farms
General Liability Insurance
Protects your business from claims related to injuries, property damage, and legal costs. Whether a customer slips in your store or you’re accused of advertising injury, this coverage is essential.
Commercial Property Insurance
Covers the buildings, tools, equipment, and inventory your business depends on. If a fire, storm, or theft strikes, this policy can help you rebuild or replace what’s lost.
Workers’ Compensation
If you have employees, Colorado law may require you to carry workers’ comp. It covers medical bills and lost wages if an employee is injured on the job.
Farm and Ranch Insurance
We specialize in helping Sanford’s farmers and ranchers protect their land, machinery, livestock, fencing, and more. From small family farms to larger commercial operations, we understand the risks that come with rural life and offer customized policies to match.
Recreational Vehicle Insurance
in Sanford
Boat Insurance
Protects your watercraft whether it’s on the lake or in storage. Includes coverage for collision, weather, vandalism, and liability while on the water.
ATV, RV, and Snowmobile Insurance
We offer coverage for damage, theft, injury, and more. Whether you’re riding through the backcountry or traveling across state lines, we’ll make sure you’re fully protected.
Investment and Rental
Property Insurance
Dwelling Coverage
Protects the building itself from fire, storms, and other perils.
Loss of Rental Income
Replaces rental income if your tenants have to move out due to a covered event like fire or water damage.
Liability Coverage
Covers medical and legal expenses if a tenant or guest is injured on the property.
Map Section
At Smith Insurance, we are proud to serve Sanford and its surrounding areas. Please refer to the map below for our service area.
Need an Insurance Broker
in Sanford, CO?
If you’re looking for an insurance broker in Sanford who understands your needs and treats you like a neighbor, give us a call. We’re here to make insurance simpler, more affordable, and more personal.
Let’s protect what matters most, together. Get in touch with Smith Insurance today and experience the difference of working with a local team that puts you first.