Frequently asked questions
Our Insurance Products
Understanding the language of insurance policies can be difficult, which is why Smith D & L Insurance focuses on being your guide to coverage whenever you ask for a quote on a new auto insurance policy. Whether you are looking to keep coverage on an older vehicle or you want to make sure your new purchase is fully protected, there are a variety of coverage options offered by Smith D & L Insurance to fit any driver's needs in Independence.
Liability coverage is the first and most basic kind required by most states, but your optimum level of coverage and your state's minimum requirements might be quite different. It all depends on your individual needs starting with the vehicle you drive. Agents at Smith D & L Insurance understand this, and part of the process of finding the right policy for each driver is finding the right combination of features. That means not only taking care of basic liability but also assessing your needs for collision insurance protection and comprehensive coverage to provide drivers with peace of mind even when the vehicle is parked.
To ask questions about coverage or to talk to Smith D & L Insurance about other discounts you might qualify for, give our offices a call at (319) 334-6066. We are also able to make appointments for face to face consultations at our office located at 601 1st St W. Whether you want to know more about prices and coverage levels or you're ready to move forward with a purchase, our agency is ready to help with your auto insurance questions.
If you have recently purchased a new home after owning another for many years, you may need to review your home insurance needs. Our agents at Smith D & L Insurance are here to help you discover new lines of coverage relevant to your needs. Your homeowners policy is going to be with you as long as you own your home, so make sure it is going to work hard to protect the things that matter most to you.
Home insurance policies are not one-size-fits-all. In fact, the wide variety of property types and many different features found inside homes require a different approach. In order to give our valued customers more personalized insurance solutions, we have chosen to team up with Nationwide, a leading provider of home policies and other insurance products. This allows us to offer more tailored policies that more closely address the particular needs facing your property and family.
An insurance policy personalized to your needs gives you better value in the long run and grants improved peace of mind. Speaking with Smith D & L Insurance is one of the best ways of making sure that your coverage is doing all the work that you need it to. If you have questions or concerns about your coverage needs, call Smith D & L Insurance at (319) 334-6066 or visit our office at 601 1st St W.
Getting married, having kids and sending them off to college are all exciting milestones. As your life changes, so do your insurance needs. You might have concerns about securing your family’s future when you are no longer around. You might also have some financial concerns about how they will manage any debts that you leave behind.
At Smith D & L Insurance, we understand the need to provide your loved ones with a financial safety net. Whether you already have a policy and are looking to adjust your coverage or this is your first-time shopping for life insurance, we can handle your insurance needs.
We work with Nationwide to provide friendly service and diverse coverage options to customers in Independence. We recommend speaking to a life insurance agent for assistance in getting the right coverage for your unique situation.
There are several types of life insurance for you to consider, such as term, whole, universal and more. Choosing the right coverage may seem overwhelming. Fortunately, Smith D & L Insurance can go over options to help you find a solution that provides the amount of coverage that meets your needs and can help you achieve your long-term financial goals.
If you are ready to learn coverage options, contact one of our agents at (319) 334-6066 to discuss them over the phone. You can also make an appointment or visit our office at 601 1st St W to meet in person. Our agent will be more than happy to evaluate your circumstances to help you get the right solution.
Owning your own business can be exciting and challenging at the same time. Making sure that your assets are properly protected is an important part of being a responsible and successful business owner, and we at Smith D & L Insurance in Independence can help you determine the types of coverage that you need. We know that every company has its own risks, and we make it simple by offering coverage that is specific to each industry such as retail, professional, auto service, food and beverage, contracting, distributing, and specialized services. You can also add on additional solutions for your specific risk strategies.
Some business owners choose our business owners policy (BOP), which is a convenient package that includes general liability coverage, property insurance, coverage against theft and fraud, income loss coverage due to an interruption, and more. If you choose this package, Smith D & L Insurance will sit down with you and ask specific questions so that the coverage is customized to your business. We will also help figure out if you need any other options to fill in coverage gaps so that you are adequately protected.
As your business grows, we will be there to make recommendations on your policy whether it is to add additional coverage, change your limits, or increase your umbrella amounts. We will also help in the event that you need to file a claim. We can be reached at (319) 334-6066 to answer any of your questions or to sign up for a policy. You can also stop into our office, conveniently located at 601 1st St W, during business hours to speak with one of our agents in person.
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 Smith D & L Insurance also offers products in IA. Please call for information on products in those states.
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