Business Details
50+ Years
experience
Your Trusted Insurance Partner in Washington
Homer Smith Insurance, Inc. has been a trusted name in the insurance industry since its founding in 1950. As a multi-generational family business, we have dedicated 75 years to serving the Washington community with personalized insurance solutions. Our independent agency model allows us to shop coverages to best meet clients' needs, prioritizing their security and future. With deep roots in Port Townsend and Sequim, we combine local expertise with a commitment to quality service. Our team of licensed professionals brings decades of combined experience in personal and business insurance. We specialize in tailoring policies for homeowners, auto owners, contractors, and businesses across rural Washington and beyond.Our mission remains focused on protecting what matters most to our clients through comprehensive risk management. Licensed in Washington, Oregon, California, and Arizona, we serve both individuals and industries with integrity. Our dedication to community values and client-centric approach has earned us long-standing trust and loyalty. For over seven decades, we've evolved with the industry while maintaining our founding principles of reliability and personalized service.
Services
Auto Insurance
Home Insurance
Watercraft Insurance
Umbrella Insurance
Business Insurance
Details
- Year established: 1950
Highlights and features
- We are an independent agency offering multiple carrier options for better coverage.
- Our team has 75 years of combined insurance expertise in Washington communities.
- We provide personalized risk management solutions tailored to individual needs.
- We maintain deep local knowledge of Washington's insurance requirements and risks.
- Our family business prioritizes client security over corporate interests.
What people say
Very communicative
Easy to work with
Professional team
Best coverage
Earned trust
Services
Auto Insurance
Our auto insurance policies protect against financial losses from vehicle damage, liability claims, and medical expenses. Coverage includes bodily injury liability, property damage, collision, and comprehensive protection. We offer specialized options like rental reimbursement and uninsured motorist coverage to ensure complete protection for Washington drivers.
Home Insurance
We provide comprehensive home insurance covering structural damage, personal property loss, and liability claims. Policies include replacement cost coverage, flood protection, and valuable possessions scheduling. Our solutions address fire risks, water damage, and liability concerns specific to Washington homeowners.
Business Insurance
Our business insurance solutions include BOP policies combining property and liability coverage. We offer specialized protection for contractors, commercial auto fleets, and industry-specific risks. Services cover general liability, workers' compensation, and umbrella policies to protect Washington businesses from operational risks.
Umbrella Insurance
Umbrella insurance provides excess liability coverage beyond standard policy limits. This protection applies to auto, home, and watercraft policies, covering catastrophic claims like severe accidents or lawsuits. We help Washington residents secure financial protection against major liability exposures.
Watercraft Insurance
Our watercraft insurance covers boats and personal watercraft against damage, liability claims, and specialized risks. Policies include towing assistance, pollution liability, and coverage for personal property on board. We address unique Washington waterway risks like fuel spills and hurricane-related haul-outs.
People
Homer Smith III
Agency Leader
Third-generation insurance professional with deep roots in Washington's insurance community. Brings decades of experience in personal and commercial risk management while maintaining family business values.
Ryan Smith
Insurance Advisor
Licensed insurance professional specializing in personalized coverage solutions. Focuses on building client relationships through thorough understanding of individual and business insurance needs.
Maggie Merritt
Insurance Advisor
Certified insurance counselor with expertise in homeowners and commercial policies. Dedicated to helping Washington residents navigate complex insurance requirements with practical solutions.
Questions
What types of insurance do you offer?
We offer personal insurance (auto, home, watercraft, umbrella) and business insurance including BOP policies, contractor insurance, and commercial auto coverage.
Are you a local Washington agency?
Yes, we have offices in Port Townsend and Sequim, serving Washington communities since 1950 with deep local insurance expertise.
How do I file an insurance claim?
Contact our office directly at 800-464-4140 or use our online service center to initiate a claim with our dedicated claims assistance team.
Do you offer 24/7 insurance support?
Our offices operate Monday-Friday 9-5, but we provide emergency contact options for urgent insurance needs outside regular business hours.
Can I get insurance for specialty vehicles?
Yes, we offer specialized coverage for collector cars and watercraft through specialty insurance providers understanding unique valuation needs.
How do you help with policy renewals?
We proactively review your coverage annually, providing updates on new options and savings opportunities before your policy renewal date.
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