Auto Insurance

Auto insurance protects more than just your vehicle. It provides you with a bounty of protection against auto-related damage, injury, and loss. To ensure that you are safeguarded from these unfortunately common occurrences, it is important that you maintain the proper level of auto insurance. 

At Smith Insurance, our team of professionals will recommend the right amount of auto insurance coverage based on your particular needs. By providing you with a range of options from the best insurance carriers in the industry, we can provide you with unmatched insurance solutions that optimize protection. As the region’s largest, locally owned, independent insurance agency, we promise to formulate the best-customized plan for you and your family.

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Mandatory Auto Policy Coverage

  • Injury Caused to Others
  • Injury to You Caused by Uninsured or
    Underinsured Autos
  • Damage to Someone Else’s Property

Optional Coverages

  • Increased Coverage Limits for Injury Caused to Others
  • Medical Payments
  • Collision
  • Comprehensive
  • Rental Car Reimbursement
  • Towing and Labor
  • Increased Coverage Limits for Injury Caused to You by an Uninsured or Underinsured Auto

Protecting you like family for over 75 years, contact Smith Insurance for all of your Connecticut and Rhode Island insurance needs!aarp-hig

What do you mean I don’t have enough Insurance?

Homeowners Insurance

As your most important investment, it is vital that you have a comprehensive homeowners insurance policy to safeguard your biggest asset. With so many coverage options to choose from, it is imperative that you work with an independent insurance agency that can take the time to evaluate your particular insurance needs, offer viable options and shop for the best price possible from dozens of insuance companies.

At Smith Insurance, we go above and beyond to tailor homeowner’s insurance policies to meet the exclusive needs of our clients. 

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Basic Protection You Need For

  • Your home
  • Other buildings or structures on your property
  • Your personal belongings – furniture, clothing, appliances, etc.
  • Additional living expenses after a loss
  • Your personal legal liability if you are sued

Special features for additional security

  • Home Replacement Cost Guarantee
  • Replacement Cost on Contents
  • Scheduled Personal Property Coverage
  • Flood
  • Earthquake
  • Water Back Up Coverage
  • Identity Fraud
  • Excess Liability Coverage/ Umbrella Policy

Protecting you like family for over 75 years, contact Smith Insurance for all of your Connecticut and Rhode Island insurance needs!

Boat/Yacht Insurance

To ensure that your fun both on land and on the water can continue, you must hold a customized watercraft insurance policy that maximizes your protection. Unfortunately, the waters can get rough and you will want the assurance a comprehensive boat insurance policy provides.

 

At Smith Insurance, we want to be your safe harbor when the waters get rough. Allow our team of professionals to recommend the appropriate amount of insurance to protect your watercraft to the fullest. We will formulate a custom tailored boat insurance policy that meets your exclusive needs.

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Available Coverage Options

  • Property Damage
  • Physical Damage
  • Medical Payments
  • Liability
  • Uninsured/Underinsured Watercraft Bodily Injury
  • Environmental Clean Up Coverage
  • Towing/Emergency Service
  • Hurricane Haul Out

Protecting you like family for over 75 years, contact Smith Insurance for all of your Connecticut and Rhode Island insurance needs!

Motorcycle Insurance

As one of your most prized possessions and undoubtedly your most enjoyable ride, you must protect your motorcycle to the fullest. Due to the unique nature and dangers associated with your favorite ride, you must hold a customized motorcycle policy that has been tailored to meet your exclusive needs.

 

The insurance professionals at Smith Insurance understand the insurance needs of Connecticut and Rhode Island motorcycle riders, and will go above and beyond to provide you with the protection you deserve.

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Available Coverage Options

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Roadside Assistance
  • Custom Parts & Equipment
  • Uninsured/Underinsured Motorist Coverage

Protecting you like family for over 75 years, contact Smith Insurance for all of your Connecticut and Rhode Island insurance needs!

RV/Motorhome Insurance

In order to cruise across America in your motorhome with peace of mind, you must hold the right insurance protection. RV insurance policies are custom-tailored to meet the exclusive needs of the motorist and their use of their motorhome. At Smith Insurance, we understand the unique insurance needs of RV owners and will go above and beyond to insure your favorite travel companion to the fullest.

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Available Coverages for RV/Motorhomes

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Coverage
  • Emergency Vacation Expense
  • Total Loss Replacement

Protecting you like family for over 75 years, contact Smith Insurance for all of your Connecticut and Rhode Island insurance needs!

Motorized Recreational Vehicles

Your recreational toys need individual insurance protection so that you can play with peace of mind. Whether you need to insure your dirt bike, golf cart, snowmobile, wave runner, ATV, dune buggy or even your riding mower, the experienced professionals at Smith Insurance can provide you with the right policy that safeguards your favorite toys to the fullest.

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Available Coverages for Motorized Recreational Vehicles

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Roadside Assistance
  • Custom Parts & Equipment
  • Uninsured/Underinsured Motorist Coverage

Protecting you like family for over 75 years, contact Smith Insurance for all of your Connecticut and Rhode Island insurance needs!

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