Business Details
50+ Years
experience
Your Trusted Independent Insurance Agency in Brownwood, TX
Smith & Sharpe Insurance has been an independent insurance agency serving Brownwood and Central Texas since 1907. Our agency combines over a century of experience with a commitment to personalized service, working with clients to provide appropriate coverage at economical rates. We serve individuals, small businesses, financial institutions, churches, universities, and municipalities, partnering with top-rated insurers to ensure comprehensive protection.Our philosophy centers on listening to client needs and delivering unmatched service through carefully selected insurance solutions. With a heritage of excellence, we prioritize long-term client relationships and community trust while maintaining a focus on innovation and future success.
Services
Auto Insurance
Homeowners Insurance
Commercial Property
Life Insurance
General Liability
RV Insurance
Mobile Home Insurance
Workers Compensation
Condo Insurance
Flood Insurance
Details
- Year established: 1907
Highlights and features
- We are independent agents comparing multiple insurers for the best value
- Our agency has over 100 years of combined insurance expertise
- We work with top-rated insurers with strong financial stability
- Our team provides personalized service tailored to individual needs
- We serve both personal and business clients with coordinated solutions
What people say
Exceptional service
Knowledgeable agents
Prompt claims processing
Competitive rates
Personalized attention
Services
Auto Insurance
We provide comprehensive auto insurance solutions for personal and commercial vehicles. Our policies protect against liability, collision, and uninsured motorists while offering customizable coverage options. With access to multiple insurers, we help clients find cost-effective policies that meet Texas state requirements and individual risk profiles.
Homeowners Insurance
Our homeowners insurance policies protect residential properties against common risks including fire, theft, and weather damage. We offer standard coverage and specialized options for high-value homes, vacant dwellings, and unique property needs. Our agents help clients determine appropriate coverage limits and deductibles based on their specific circumstances.
Commercial Insurance
We provide tailored commercial insurance packages for businesses in Central Texas. Our offerings include commercial property, liability, auto, and workers compensation coverage. The Small Business Owners Package combines essential protections while specialized options like inland marine and restaurant insurance address industry-specific risks for diverse business operations.
Life Insurance
We offer life insurance solutions to help clients protect their families' financial future. Our term and permanent life policies provide death benefits for income replacement, mortgage protection, and estate planning. We work with top-rated carriers to ensure reliable coverage that aligns with clients' long-term financial goals.
Flood Insurance
We provide flood insurance coverage through the National Flood Insurance Program and private carriers. Our policies protect properties against surface water flooding, storm surge, and sewer backup damage. We help homeowners and businesses in high-risk areas obtain mandatory flood insurance while offering risk assessment for properties in moderate-risk zones.
People
Bart Johnson
Agent
Bart Johnson brings extensive insurance expertise to our team, specializing in personal and commercial risk management solutions for Central Texas clients.
Carter M. Sharpe
Agent
Carter M. Sharpe represents the fifth generation of insurance professionals in the Sharpe family, continuing our legacy of service since 1907.
Jeff Smith
Agent
Jeff Smith combines deep local knowledge with national insurance resources to deliver comprehensive protection solutions for individuals and businesses.
Marla Starnes
Customer Service
Marla Starnes provides exceptional client support, ensuring policyholders receive timely assistance with coverage questions and claims processing.
Questions
What types of insurance do you offer?
We offer personal insurance (auto, home, life), commercial insurance (property, liability, workers comp), and specialty coverage like flood and classic car insurance.
Why use an independent insurance agent?
As independent agents, we compare coverage options from multiple insurers to find the best protection at competitive rates tailored to your specific needs.
How do you handle insurance claims?
We provide direct support during the claims process, helping you navigate documentation requirements and ensuring timely resolution with your insurance carrier.
Do you serve business clients?
Yes, we offer commercial insurance packages for businesses of all sizes, including property coverage, liability protection, and industry-specific solutions.
What areas do you serve?
We primarily serve Central Texas with a focus on Brownwood, providing both personal and commercial insurance solutions to local residents and businesses.
