Learn about our insurance products

  • Car Insurance

    Get an auto insurance policy you can count on from Nationwide.

  • Home Insurance

    Protect your house and personal property by choosing the right insurance coverage from Nationwide.

  • Life Insurance

    Let us help you select life insurance coverage that meets your needs, your life and your budget.

  • Business Insurance

    Cover your business with commercial insurance from Nationwide.

Member support

24/7 Claims Service
1-800-421-35351-800-421-3535

Our Insurance Products

The Michael Allen Smith in San Ramon, California provides the following products. To learn more about each insurance product, click on the links below.

  • Car Insurance

    Michael Allen Smith is your local expert for San Ramon auto insurance and all the Nationwide policy options that go into building a personalized coverage solution. No matter what your driving habits, no matter the number and age of household drivers, there's an auto insurance policy that fits your needs. And it's not just the everyday automobile we can help with. If you have an RV, motorcycle, or boat, our agents can help you understand the unique coverage needs for these vehicles, too.

    Have questions about policy types, claim amounts, or liability requirements that apply to CA drivers? Worried about potential gaps in your coverage? Interested in learning more about the Vanishing Deductible® program? Michael Allen Smith can give you the answers. We'll also make sure you receive all the discounts for which you qualify, and the On Your Side® Review makes sure your policy keeps up with your evolving auto insurance needs.

    We recognize that purchasing auto insurance isn't exactly a favorite pastime for any San Ramon driver. By partnering with Nationwide and providing great customer service, Michael Allen Smith can make things a little easier on you. Call us today at (925) 683-9743, and we'll take the stress out of shopping for 94583 car insurance. You can also schedule an appointment to talk about your coverage in person. Our office is located at 2010 Crow Canyon Pl.

  • Home Insurance

    Every homeowner in San Ramon deserves to have the right kind of insurance coverage. These valuable policies provide peace of mind and valuable forms of protection for as long as you own your home. In the midst of all the unexpected things that can happen to a home, it is good to know that our Michael Allen Smith team are working hard to help you. By providing exceptional Nationwide coverage customized to the individual needs of homeowners like you, we can help ensure that your insurance is doing more to protect you.

    Personalized insurance solutions take into consideration the distinctive qualities of your home and property. Homeowners policies designed to suit everyone might leave out important property features, such as free-standing garages, that are unique to your situation. Michael Allen Smith can provide a fresh look at your existing coverage and your current coverage needs. This is a great way to make sure that you are not overpaying for insurance features that you do not need while still making sure that your entire home and property are receiving the right kind of protection.

    Helping people get more from their insurance is part of what we do. We are proud to be part of the Nationwide family of insurers. Filing claims and learning about your coverage is easier than ever thanks to Nationwide's extensive network or friendly agents. San Ramon homeowners and prospective homeowners can visit our office at 2010 Crow Canyon Pl or speak with an agent by calling (925) 683-9743.

  • Life Insurance

    Getting married, purchasing a new home, or starting a family are all exciting experiences. However, these life events often mean bigger financial obligations. Your increased financial obligations can be a good impetus to taking the necessary step to assure your family’s financial security. Your home is a place of security and pride; be sure to protect your standard of living.

    We at Michael Allen Smith proudly work with residents in the San Ramon area. We want to make sure you have the type and amount of coverage you need so that you and your family are prepared for any eventuality. We will explain in understandable language term versus permanent insurance and we will discuss the types of life insurance that can best fit your needs.

    The amount of coverage your family needs is largely determined by factors such as age, income, debt, number of dependents, long-term educational needs, monthly expenses, long-term goals and desired length of coverage. We will explain in easily-understandable terms whole life insurance and universal life insurance and why you may want permanent insurance.

    As you enjoy the now, don’t forget to protect your family’s future. Life insurance gives you the peace of mind that comes with preparing for life’s uncertainties. Call Michael Allen Smith at (925) 683-9743. We can assess your coverage needs and answer all your questions. If you are in the neighborhood, stop by any time. We are located at 2010 Crow Canyon Pl. We look forward to seeing you.


    LAW-0246AO (05/18)

  • Business Insurance

    Finding peace of mind as a small business owner means being prepared for challenges your company might face as it grows. A good way to do that is by having a broad risk management plan and updating it after each new growth phase adds to the complexity of your operations. The Michael Allen Smith works with Nationwide to make this easier by providing the kind of robust and customizable insurance that has already serviced over 500,000 small businesses.

    To get the process started, Michael Allen Smith may recommend purchasing a business owner's policy. This provides basic coverage along a variety of lines and represents the closest thing that business insurance has to a comprehensive policy. From there, agents conduct an On Your Side® Review to find specific areas where your company could use a little more coverage, and these vary quite a bit from business to business. Examples include insurance on your receivables, on equipment and other specific high-value assets, product liability, and basic property insurances.

    Finding the right coverage for a small business in San Ramon is a process, but it is a process that Michael Allen Smith has the experience to guide you through. That way, you have the security you need to take advantage of every new business opportunity. To get things started, call (925) 683-9743 for a phone consultation or to set an appointment for a meeting at our offices located on 2010 Crow Canyon Pl.

    Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

The Michael Allen Smith also offers products in CA. Please call for information on products in those states.