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4.9 / 5
400+ Google Reviews
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100 yrs of trust
Terry Smith – Insurance Agent
Answering Calls Now
Licensed Michigan Agent
Terry Smith
Insurance Agency · Battle Creek, MI
4.9
★★★★★
400+ Google Reviews
Call (269) 575-4226

Free quote · No obligation · Same-day coverage

🏠 Home 🚗 Auto 💼 Business ❤️ Life
Dwelling Coverage Personal Property Liability Protection Fire & Theft Wind & Hail Loss of Use Bundle Savings Same-Day Coverage Free Coverage Review Michigan's Local Agent Dwelling Coverage Personal Property Liability Protection Fire & Theft Wind & Hail Loss of Use Bundle Savings Same-Day Coverage Free Coverage Review Michigan's Local Agent
Why Choose Smith Agency

A real team.
Not a 1-800 number.

When you call Smith Agency, a real person answers — someone who knows Michigan and knows how to find you the right coverage at the right price.

Local

Michigan Expert

Based in Battle Creek, Our Battle Creek team understands Michigan weather, Michigan homes, and what Michigan families actually need — not a one-size-fits-all policy from a call center.

Trusted

Top-Rated Carrier

Smith Agency backs your home with a top-rated, financially strong national insurance carrier — so when storms hit and a claim gets filed, the money is actually there. National strength, local service.

Fast

Same-Day Coverage

Call in the morning, be covered by noon. Our team can review your home, build your policy, and get you active coverage the same day — no waiting, no delays.

What We Cover

Complete protection
for your home.

Michigan homeowners face real risks — from winter ice damage to summer storms. A policy through Smith Agency covers it all.

  • Dwelling Coverage
    Rebuilds or repairs your home's structure after fire, windstorm, hail, or other covered events.
  • Personal Property
    Replaces furniture, electronics, clothing and other belongings if stolen or damaged.
  • Liability Protection
    Covers medical and legal costs if someone is injured on your property.
  • Wind, Hail & Ice Damage
    Michigan-specific perils covered — including ice dam damage common in our winters.
  • Fire & Smoke Damage
    Full dwelling and personal property replacement after fire or smoke damage events.
  • Loss of Use
    Covers hotel and living expenses if your home becomes uninhabitable after a covered loss.
Ready to Get Covered?
Find out exactly what your home needs.

Our team will walk through your property, your risks, and your budget — then build a policy that fits your actual life. No generic quotes, no hidden gaps.

Call (269) 575-4226
Free quote
No obligation
Same-day coverage
Real person answers
It's That Simple

Covered in 3 steps.

No lengthy forms. No pushy sales pitch. Just a straightforward conversation that ends with real coverage on your home.

1

You Call Us

One call to (269) 575-4226 connects you directly with our team. No phone tree, no hold music, no robots.

⚡ Takes 2 Minutes
2

We Build Your Quote

Our team reviews your home's details, identifies any coverage gaps, and builds a policy tailored to you — explained clearly.

📋 Free Review
3

You're Covered Today

Approve your policy and you're covered — same day. Your documents are emailed immediately. That's it.

✅ Same-Day Active
Start Step 1 Right Now (269) 575-4226
Client Reviews

What Michigan says.

Real reviews from real neighbors. People who trusted Smith Agency with their homes and families.

★★★★★
Google

"Tamara was very helpful with getting me set up with insurance for the first time. She remained professional and patient throughout the whole experience. She answered all of my questions kindly."

A
Adriana Donahue
New Client
★★★★★
Google

"Tamera was great! She helped me every step of the way. She also saved me a ton of money by cutting my bill in half from what I was paying. I highly recommend her to everyone!"

M
Melissa Moores
Home & Auto
★★★★★
Google

"Just had another great customer service experience. I asked in the evening and Stephen had my request completed first thing in the morning. Excellent work — this is what service should look like."

R
Richard King
Client Service
Available Savings

Discounts that actually
add up for Michigan homeowners.

There are more ways to lower your rate than most homeowners realize. Ask our team which ones you qualify for — most clients stack 2 or 3.

🏠🚗
Up to
20% off

Home + Auto Bundle

Bundle home & auto and save on both — the most popular rate cut.

Ask about bundling →
🏆
Up to
15% off

Claims-Free Discount

No claims in 3+ years? You've already earned a lower rate — we'll make sure it's applied.

Check your discount →
🏡
Up to
8% off

New or Updated Home

Newer roof, electrical, or plumbing? That earns a preferred rate on your policy.

See if you qualify →
🔒
Up to
10% off

Smart Home & Security

Alarm systems, smoke detectors, and smart devices all qualify. Easy wins most miss.

Talk to our team →

Most callers qualify for 2–4 discounts they didn't know about.

Find Your Discounts (269) 575-4226
Client Testimonials

400+ families trust Smith Agency.

Battle Creek and all of Michigan. Real reviews, real neighbors.

4.9
★★★★★
400+ Google Reviews
View on Google →
A
Adriana Donahue
New Homeowners Policy · 2 months ago
★★★★★
Google

"Tamara was very helpful getting me set up with insurance for the first time. She remained professional and patient throughout. She answered all of my questions kindly and made the whole process easy."

Helpful?
M
Melissa Moores
Home + Auto Bundle · 1 month ago
★★★★★
Google

"Tamera was great! She helped me every step of the way. She also saved me a ton of money by cutting my bill in half from what I was paying. I highly recommend her to everyone!"

Helpful?
J
Jason Scharlow
Switched from Progressive · 3 weeks ago
★★★★★
Google

"I told Tamara I wanted to switch my policy elsewhere, and she took the time to listen to my concerns and find a solution that worked better for my budget. She kept my business by actually solving my problem. That's why I chose to stay."

Helpful?
T
Tabatha Nash
Home + Business Coverage · 5 weeks ago
★★★★★
Google

"Tamara was amazing. I started an Event Planning business and she found me a company that would work for my business. Patient, thorough, and ready to go when I was. Great customer service!"

Helpful?
See All 400+ Reviews on Google →
Ready to Start?

Your home deserves
real protection.

Most Michigan homeowners are either underinsured or overpaying. One call with our team fixes both. Free, no pressure, no commitment.

Call (269) 575-4226 — Free Quote
Tap to Quote · (269) 575-4226