Trusted insurance and financial service solutions for individuals, families, and businesses throughout Michigan. Personalized coverage from an independent agency that puts you first.
As an independent agency, we shop multiple carriers to find you the right coverage at the best rate — no one-size-fits-all policies.
From liability and collision to comprehensive and uninsured motorist protection — we find the right auto policy for your vehicle and driving habits.
For: Drivers, vehicle owners, fleet operators
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Dwelling, personal property, liability, and additional living expenses — complete protection for Michigan homeowners.
For: Homeowners, property investors
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General liability, commercial property, workers compensation, and business interruption insurance tailored for Michigan businesses.
For: Small businesses, commercial clients, contractors
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Term life, whole life, and universal life insurance options providing lasting financial protection for your loved ones.
For: Individuals, families, business owners
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Individual and family health plans plus renters insurance to protect your belongings and provide peace of mind wherever you live.
For: Renters, individuals, young families
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From retirement planning and annuities to umbrella policies and financial protection — comprehensive services for your long-term financial wellbeing.
For: Retirement planners, wealth builders, families
Get a QuoteServing Michigan communities
Families, drivers, businesses
More options = better rates
Sterling Heights & Metro Detroit
Based on client reviews
We are not tied to a single carrier. We shop 30+ insurance companies to find you the best coverage at the most competitive rate available.
Every client receives a dedicated agent who learns your unique situation. We meet you where you are — in person, by phone, or online.
When the unexpected happens, we advocate for you throughout the claims process. Our team is available to guide you every step of the way.
Our mission is to educate, not just sell. We help you understand your risks today so you are not caught off guard by the what-ifs of tomorrow.
"Our mission is to offer customers an experience that is professional, individualized, and instructional so they have the ability to make the right decision regarding their insurance and financial services."
— Smith Insurance and Financial Services, Inc. | Sterling Heights, MI
Get Your Free Quote TodayReal clients. Real coverage. Real peace of mind across Metro Detroit.
"Smith Insurance found me a better home and auto bundle for $340 less per year than my previous carrier. The process was quick, painless, and they explained every detail of my new policy."
Jennifer Martinez
Homeowner — Sterling Heights, MI
Policies Written
Across Michigan since founding
Carrier Network
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"As a small business owner, having the right liability and workers' comp coverage is non-negotiable. Smith Insurance made it easy and affordable."
Marcus Thompson
Business Owner — Macomb County, MI
"Saved $580/yr on my auto policy."
Robert K.
Troy, MI
Tell us about your coverage needs and a licensed Smith Insurance agent will reach out within one business day with personalized options from our network of 30+ carriers.
Visit our Sterling Heights office, give us a call, or send an email. A licensed agent is ready to help you find the right coverage.
Office Hours
Mon–Fri: 9:00 AM – 6:00 PM
Saturday: 10:00 AM – 2:00 PM
Sunday: Closed
Get your free, no-obligation quote from a licensed Michigan insurance professional today.