Chad Smith Insurance

Shopping for the best home insurance premiums?  Buying a new home, a secondary home or an investment property and need affordable homeowners or flood insurance?  We make finding competitive insurance rates a snap!  Let our companies earn your business.

A personal umbrella policy is called an "umbrella" policy because it provides liability coverage over and above your standard auto insurance or homeowners insurance. It offers protection for you and your family against large and potentially devastating liability claims or judgments. If you are a Homeowner, you should have this coverage.