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Smith Insurance
  • Business
  • Home
  • Auto
  • Life
This badge signifies we are a Trusted Choice agency. As a Trusted Choice agency, we understand your needs as a member of your local community. We use our broad market access to provide you with choices and are committed to offering you expertise, guidance, and tailored service for years to come.

Smith Insurance

Independent Insurance Agent in Pagosa Springs, CO

About us

Aim high for better rates and service

At Smith Insurance, we are dedicated to providing personalized insurance solutions tailored to meet the unique needs of our clients. As an Insurance broker, we have the freedom to shop multiple insurance carriers on your behalf, ensuring that you receive the best coverage at the most competitive rates.

Our team of experienced insurance professionals is committed to delivering exceptional customer service and building long-lasting relationships with our clients. We understand that navigating the insurance world can be overwhelming, which is why we are here to guide you every step of the way and answer any questions you may have.

Whether you are looking for auto, home, life, business, or specialty insurance coverage, Smith Insurance is here to help. We take the time to understand your specific needs and goals to recommend the right insurance solutions that protect what matters most to you.

With a combined 16 years of experience in the insurance industry, Smith Insurance has established a reputation for excellence and reliability. Whether you are looking to protect your home, auto, motorcycle, ATV, UTV, boat, business, or farm/ranch, our agency proudly services clients across Arizona, Colorado, New Mexico, Texas and Utah. we have the knowledge and resources to find the right coverage for you.

Discover the difference of working with an independent insurance agency that puts your needs first. Contact Smith Insurance today to experience the elevated level of service and expertise we provide to each and every client.

Servicing in Arizona, Colorado, New Mexico, Texas and Utah.

Personal Lines insurance professionals

Ask me about these types of insurance...

Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.

Request an automobile insurance quote

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

Request a homeowners insurance quote

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Request an umbrella insurance quote

Our independent insurance agents will find you the right insurance for your farm that covers everything you need.

Request a farm insurance quote

Why choose Smith Insurance

States we serve

  • Arizona
  • Colorado
  • New Mexico
  • Texas
  • Utah

Our insurance coverages

Personal insurance coverage

  • ATV
  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Earthquake
  • Farm
  • Flood
  • Home
  • Landlord
  • Mobile Home
  • Motorcycle
  • Personal Watercraft
  • Pet
  • RV / Motorhome
  • Renters
  • Short-Term / Sharing
  • Snowmobile
  • Special Event
  • Travel Trailer
  • Umbrella
  • Vacant Land
  • Valuable Items

Business insurance coverage

  • Business Owners Package (BOP)
  • Business Vehicle
  • General Liability
  • Property

Life & Annuities coverage

  • Annuities
  • Life

Recommended insurance company partners

Other companies we work with:

Aegis General, Allstate, AmWINS Group, American Collectors Insurance, American Modern, Auto Owners Insurance, Berkshire Hathaway GUARD Insurance Company, Bristol West Insurance Company, Burns & Wilcox, CATcoverage, CNA, CRC Group, Chubb, Hagerty, Hiscox Ins Co Inc., Philadelphia Insurance Companies, State Auto, The Hartford

Smith Insurance Team

Michael Smith - Owner
Michael Smith
Owner
(970) 799-1297 LinkedIn Profile
Designations
  • CIRMS
  • TRA
Kelseigh Smith - Owner
Kelseigh Smith
Owner
(970) 731-3945 LinkedIn Profile
Designations
  • CSR
  • TRA

Smith Insurance Reviews

Average based on 41 reviews Leave a review

Customer Reviews

August 25, 2025

Mike was amazing. Needed to get a property insured quickly and Mike took care of everything super-fast, addressed my concerns, relayed everything to me in a clear and precise manner and his rates were good. Highly recommend this agency.

August 6, 2025

I cant remember how I found them! But Im so grateful I did! They have saved me a ton of money on home & auto insurance. Their professionalism is beyond!

July 25, 2025

Mike was so helpful and went out of his way to meet our needs. These are tough times and someone in our corner means so much. He returned messages and was on top of things. Thank you, Smith Insurance!

July 15, 2025

They are the best to work with. You can always get ahold of them anytime. Only people I will do business with for all my insurance

July 15, 2025

Best Insurance Agency around!

June 24, 2025

Kelseigh & Mike where so helpful with getting my car insurance switched over. I recently purchased a home and they were so helpful and great to work with. They go above and beyond to find you the best rates & coverage!!! Great team would highly recommend them

May 18, 2025

I have been a happy customer for many years. Mike and his team have helped us find the best insurance for the most affordable price that best meets our needs. If we ever have a question, I know they are a quick text, call or email away. They have their customers best interest at heart. An example of this is when we had to file a claim after a hailstorm with our insurance company, they walked us through the process and made sure first and foremost our family was safe and had the appropriate resources that we needed. When we had questions about coverage, what types of policies we needed for our situation, they were quick to educate us and find the best solution for us.

February 18, 2025

Mike is very knowledgeable and makes sure to explain the insurance options in a language we could understand. I appreciate his quick service and dedication to finding us the best deal. We highly recommend Smith Insurance.

January 30, 2025

Smith Insurance went above and beyond after hours to help a client that was denied coverage two days before closing. They had them all set up and finalized within hours. Cannot recommend them enough!

January 21, 2025

Highest praise to Smith Insurance!! When our home insurance was cancelled due to our being in a high-risk area for wildfires, we contacted numerous agencies for help getting a new policy. Mike Smith was by far the most helpful and responsive. He worked diligently to find us a new policy, responding with sympathy and patience to our questions and concerns and assuring us that he would continue to seek out very best possible options for us. WE HIGHLY RECOMMEND this agency!

Our Commitment to Transparent and Trustworthy Reviews

We prioritize honest feedback from our clients to assist future customers in making well-informed decisions. Our review section showcases authentic experiences from real customers. When a less-than-positive review is submitted, we share it with both the agent and the reviewer to foster collaboration and improvement based on constructive feedback. We also moderate reviews to remove inappropriate content or spam, upholding a high standard of trust and transparency.

RECOMMENDED INSURANCE COMPANY PARTNERS

Smith Insurance

Aim high for better rates and service

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