Securing Your Future, One Policy at a Time
About Us
Gary K. Smith Insurance Agency is a family-owned and operated business serving the Southgate, Michigan area for over 50 years. We are an independent insurance agency, which means we work for you, not a particular insurance company. This allows us to find the best possible coverage options at competitive prices from a variety of reputable carriers.
Our team of experienced professionals understands the unique insurance needs of our customers. We take the time to listen to your individual circumstances and goals to create a customized insurance plan that perfectly aligns with your needs and budget.
Our Services
We offer a comprehensive range of insurance products to meet your diverse needs, including:
Home & Rental
- Homeowners insurance from leading carriers
- Discounted bundled policies that combine home and auto coverage
- Rental property and dwelling fire insurance
Auto & Motorcycle
- Comprehensive auto insurance from multiple carriers
- Competitive rates and discounts for safe drivers
- Motorcycle insurance coverage
Life
- Term and whole life insurance options to protect your loved ones
- Affordable premiums and flexible payment options
Commercial
- General liability insurance to protect your business from unexpected incidents
- Workers' compensation insurance to safeguard your employees
- Commercial auto insurance to cover your business vehicles
- Liquor liability insurance to protect your business from claims of alcohol-related damages
What Sets Us Apart?
- Experienced Professionals: Our team has extensive experience in the insurance industry and is dedicated to providing personalized service and finding you the right coverage.
- Independent Agency: We work for you, not an insurance company, ensuring you get the best possible deals and options.
- Custom Coverage: We tailor your insurance plan to your unique needs and circumstances.
- Competitive Rates: We compare quotes from multiple carriers to find you the most affordable options.
- Exceptional Customer Service: We are committed to providing personalized attention and responsive customer service every step of the way.
Overview of Reviews
The reviews of Gary K. Smith Insurance Agency are overwhelmingly positive, with most customers praising the agency's excellent customer service, competitive rates, and knowledgeable staff.
Customer Service
Many reviewers rave about the exceptional customer service provided by the agency. They mention how the staff goes out of their way to help, is professional, and responsive to their needs.
Competitive Rates
Several reviewers highlight the agency's ability to provide the lowest rates for insurance, with one reviewer mentioning that they were able to cut their insurance bill in half.
Negative Experiences
However, there are a few negative reviews that mention poor communication, privacy violations, and unreturned emails and voicemails.

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