Business Details
50+ Years
experience
Your Trusted Michigan Insurance Partner Since 1917
E.W. Smith Insurance Agency has been a trusted partner in protecting families and businesses for over a century. Founded in 1917, we combine deep industry expertise with a personalized approach, offering tailored insurance solutions across Michigan. Our team of dedicated agents works tirelessly to secure optimal coverage at competitive prices, leveraging relationships with top-rated carriers like Auto-Owners, AAA, and The Hartford. With three local offices in Wyandotte, Flat Rock, and Shelby Township, we maintain a community-focused ethos while delivering comprehensive risk management strategies.Our century-long commitment to transparency, ethical practices, and client education has earned us generations of loyal customers and industry recognition, including Frankenmuth's 50-Year Award. We pride ourselves on being more than insurerswe're neighbors invested in safeguarding our community's future.
Services
Auto Insurance
Homeowners Insurance
Life Insurance
Business Insurance
Motorcycle Insurance
Boat Insurance
Umbrella Coverage
Mortgage Protection
RV Insurance
Details
- Year established: 1917
Highlights and features
- We offer 100+ years of local insurance expertise
- Our agents provide personalized policy comparisons from multiple carriers
- We maintain 24/7 claims support through trusted restoration partners
- Our team holds active memberships in local business associations
- We guarantee transparent pricing with no hidden fees
What people say
Quick claim resolution
Best rates around
Friendly and professional
Always available
Saved us money
Services
Auto Insurance
Our auto insurance policies protect Michigan drivers against financial losses from accidents, theft, or natural disasters. We offer customizable coverage options including liability, collision, comprehensive, and uninsured motorist protection. Our agents compare rates across top-rated carriers to ensure optimal value while meeting state requirements and individual needs. Policyholders benefit from 24/7 claims support through vetted restoration partners.
Homeowners Insurance
We provide comprehensive homeowners insurance covering structural damage, personal belongings, and liability risks. Policies include protection against fire, theft, and natural disasters with optional endorsements for high-value items or flood coverage. Our agents help clients understand policy details and deductible options while ensuring adequate protection for both primary residences and investment properties across southeast Michigan.
Business Insurance
Our commercial insurance solutions protect Michigan businesses with tailored general liability, property, and workers' compensation policies. We serve diverse industries, offering risk management strategies that include business interruption coverage and professional liability protection. Policies can be bundled for cost efficiency while ensuring compliance with state regulations and industry-specific requirements.
Life Insurance
We offer term and permanent life insurance policies to secure financial protection for families and dependents. Our agents explain policy differences between renewable term coverage and cash-value-building whole life options. We help clients determine appropriate death benefit amounts and structure policies to complement estate planning goals while maintaining affordability.
Umbrella Insurance
Our umbrella insurance policies provide additional liability coverage beyond standard auto and homeowners policies. This excess protection safeguards assets against catastrophic claims from accidents or lawsuits. We help clients assess appropriate coverage limits based on net worth and risk exposure, ensuring seamless integration with existing insurance policies.
People
John Bobrowski
Insurance Agent
With over 30 years of experience, John Bobrowski specializes in personal and commercial insurance solutions. He focuses on bundling policies for maximum savings while maintaining comprehensive coverage. Clients praise his responsiveness and ability to explain complex insurance concepts clearly.
Nick Kinney
Insurance Agent
Nick Kinney assists clients with auto, home, and business insurance needs. He emphasizes policy comparisons across multiple carriers to ensure competitive pricing. Known for prompt communication, he helps clients navigate claims processes and adjust coverage as life circumstances change.
Mary Rothermal
Insurance Agent
Mary Rothermal provides personalized insurance solutions with a focus on customer education. She specializes in policy reviews to identify coverage gaps and cost-saving opportunities. Clients appreciate her proactive approach to maintaining adequate protection as needs evolve over time.
Scott Roberts
Insurance Agent
Scott Roberts offers expertise in property and casualty insurance for homeowners and businesses. He maintains strong relationships with local contractors for efficient claims resolution. Known for thorough policy explanations, he helps clients understand deductible options and coverage limitations.
Jason Durbin
Insurance Agent
Jason Durbin specializes in personal lines insurance with over 14 years of experience. He focuses on bundling auto and home policies for maximum savings while ensuring adequate protection. Clients value his availability for policy adjustments and claims assistance outside regular business hours.
Questions
How can I get a competitive insurance quote?
Contact our agency to discuss your specific needs. We'll compare coverage options and rates from multiple top-rated carriers to find your optimal policy.
What insurance types do you offer?
We provide auto, home, life, business, motorcycle, boat, RV, umbrella, and mortgage protection insurance for Michigan residents and businesses.
How do claims work with E.W. Smith?
We connect you with trusted restoration partners for immediate assistance. Our agents guide you through the claims process to ensure timely resolution.
Can I manage policies online?
Yes, we offer digital tools for policy management, payments, and claims reporting while maintaining personal agent support when needed.
Do you offer multi-policy discounts?
Yes, bundling home and auto insurance or adding umbrella coverage typically provides significant cost savings on your premiums.
How are you different from online insurers?
We combine local expertise with personalized service, offering face-to-face consultations and tailored advice from experienced agents who understand Michigan risks.
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