Smith D & L Insurance in Independence, IA

The Smith D & L Insurance in Independence, Iowa provides the following products. To learn more about each insurance product, click on the links below.

• Car Insurance

  Smith D & L Insurance is your go-to source for friendly, knowledgeable advice about your Independence auto insurance. It doesn't matter if you're trying to determine the right claim limits for your household, or if you're a first-time owner of an RV, motorcycle, or specialty vehicle. Whatever your question, we can help you find quick, confident answers and speedily take care of your auto insurance needs.
  
  Smith D & L Insurance customer needs run the gamut from meeting minimum requirements for the state of IA and finding low-as-they-go premiums, to building comprehensive, personalized coverage through various Nationwide programs. Along with higher claim limits, roadside assistance, rental reimbursement, and gap insurance are some of the popular options. You can also reward yourself for every year of claims-free driving by enrolling in the Vanishing Deductible® program.
  
  There are sizable discounts available to most customers, everything from good grades to multiple policy discounts. We also offer plenty of billing and payment options to make running your household just a little bit easier. Whether you're in our neck of the woods on 231 1st St E or no matter where you live in Independence, you can get the coverage you need with the Smith D & L Insurance. Give us a call at (319) 334-6066 today.

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• Home Insurance

  Congratulations on becoming a proud Independence homeowner! With all of the energy and resources you spent searching for and bidding on your home, Smith D & L Insurance knows the last thing you want to do is spend hours finding a viable insurance plan to protect your investment. With our help, along with the knowledgeable folks at Nationwide, safeguarding your home and all of your belongings can be a smooth process.
  
  Insurance is one of life's many little necessities, and a requirement in some cases, but it's best that you take your insurance needs seriously, because we certainly do. Our goal is to provide you with all of the information you need to be sure that your home is protected if something unexpected occurs. Smith D & L Insurance can talk you through determining the value of your belongings which can help you avoid underinsuring yourself. We also make sure your customized plan is explained to help you understand which risks are and are not covered by your plan, and you'll be well-educated on how your deductibles work. When members come to us, we want them to leave feeling as if they know more about insurance than we do.
  
  If your home is currently in construction, or even if you're just thinking about buying a home, we'd love to have the opportunity to chat with you about your options and any discounts for which you may qualify. Whenever you're ready, pick up the phone and dial us up at (319) 334-6066 or visit us at 231 1st St E.

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• Life Insurance

  Whenever you have any major change in your life, you should reassess your insurance needs. Marriage is one such occasion. Along with wedded bliss come new concerns and new responsibilities. You should take steps now to make sure that you and your spouse’s financial needs will be fully taken care of should the worst happen.
  
  We at Smith D & L Insurance are here to help newlyweds in the Independence area. We will answer all your life insurance questions and explain in easy language term versus permanent insurance. After speaking with us, you will have a complete understanding of both whole life insurance and universal life insurance and you will know which options are best for you.
  
  In order to properly assess your coverage needs, you and your spouse will need to consider things such as your age, current income, current debt, number (if any) of dependent children, likely future income levels, final expenses and the impact of a loss of income. We will help you determine the amount and length of coverage that is optimal for your circumstances.
  
  After marriage, life gets busy. You should make sure, however that you are not too busy to take action now to assure a financially-secure future for yourself or your spouse years down the road. Life is uncertain but you can help take the uncertainty out of your financial future by making wise choices now.
  
  Call Smith D & L Insurance at (319) 334-6066. If you are in the neighborhood, we welcome you and your spouse to stop by our office at 231 1st St E.
  
  
  LAW-0247AO (05/18)

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• Business Insurance

  At Smith D & L Insurance we don't believe business owners should leave themselves or their companies vulnerable to liabilities with insurance plans pocked full of holes. Instead, we believe in providing Independence business owners with the sense of peace that comes from having an insurance plan that deflects the destructive effects of common and not-so-common commercial liabilities. We hope you'll turn to us and Nationwide if you're either unsatisfied with your current insurance protection or need a plan for your brand new business.
  
  Because there are so many different options when it comes to insurance, no matter the investment you seek to protect, we always personally shape our policyholders' protection. We don't believe in a one-size-fits-all approach, and we don't expect you to settle for it. By working with Nationwide, our agency offers common commercial coverage, such as property, liability, and workers' compensation. Nonetheless, your business may be in need of special coverage, which includes (but is not all-inclusive of) professional liability, employment practices liability, key employee insurance, and directors and officers liability insurance.
  
  Ready to discuss your options for commercial protection? We welcome walk-ins at our office located at 231 1st St E. Alternately, we'd also love to receive a phone call from you at (319) 334-6066. With Smith D & L Insurance in the passenger seat, your business journey is sure to be a smooth one
  
  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.

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The Smith D & L Insurance also offers products in IA. Please call for information on products in those states.