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Our Services
Auto Insurance
Whether this is your first driving or you're an experienced driver, being prepared with the proper coverage is the best way to ensure that you and your passengers may travel with peace of mind.
In the state of California, drivers are required to have basic limits of liability coverage. At SMK, we provide you with a variety of carriers to choose from. So whether you need basic liability or full coverage for your automobile, SMK Insurance Agency is the right place for you. Click to learn more about our carriers and auto insurance. Speak with one of our agents today to learn more about your auto insurance needs.
Life Insurance
At a certain point in your life, you may find that people depend on you financially. Whether you have family, relatives, or loved ones that depend on you, life insurance can help provide for these people if you can't be there for them.
Life insurance can be used in a variety of ways. It can cover final expenses, help replace your lost income, provide for your family, or invested to provide for your retirement, your dependents, and children's education.
There are a variety of different life insurance policies available for you. To learn more, visit our Life Insurance page or call one of our agents today. You can also schedule a free consultation with one of our licensed representatives.
Homeowners Insurance
Being a first-time homebuyer is an exciting time in our lives. When you find that perfect new home, the first thing you want to do is get settled in.
So what is homeowners insurance and what does it cover? Homeowners insurance provides coverage for single-family homes, condominiums and even apartments. Certain restrictions do apply. So if you are a landlord, tenant, or homeowner, this can cover your building, its interior contents, and personal property. It even covers liability for you wherever you are in the world. Click to learn more about the coverages and receive a quote today!
Personal Umbrella
After you've taken the proper steps to protect your assets by purchasing an auto and homeowners policy, a Personal Umbrella provides you with additional liability coverage on top of your auto and home policies.
Why is an umbrella policy useful?
An umbrella policy provides liability coverage with limits usually starting at $1 million. As auto and homeowner policies don't often provide such high limits coverage, an umbrella policy would step in should you need that additional coverage. To receive a quote, complete and return one of our umbrella quote forms or call to speak to on of our agents today.
Health Insurance
Health care coverage can protect you and your family and provides you with flexible options and networks of health care professionals. Although there is no one-plan-fits-all health care plan, our agents can provide you with information to help you shop for your health insurance needs.
As the health care industry has evolved, the new Affordable Care Act or Health Care Reform takes effect Oct. 1st, 2013 mandates health insurance nationwide. There are options to shop with either private insurers or the government Marketplace.
For more information or to receive a quote today, download our PDF quote forms or call to speak to one of our agents.
Commercial Lines
Owning your own small business is an exciting venture. At SMK, we do service commercial lines of insurance just as we do with our personal lines. If you are a small business owner and you would like to learn about what insurance you need to properly protect your busines or to receive a quote, please call one of our agents today for a free consultation.