E W Smith Insurance-Flat Rock
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E W Smith Insurance-Flat Rock
We appreciate all of our customers who have conducted business with our agency by phone and email and encourage you to continue to take advantage of that. Founded in 1917, E.W. Smith Insurance Agency has three locations. Our offices in Wyandotte, Flat Rock and Shelby Township offer a personal approach to insurance where every customer has a dedicated agent.

Specializing in Personal, Business and Life Insurance we help each customer find the optimal coverage while reducing costs. E.W. Smith is proud to represent some of the largest and most trusted insurance companies including Auto-Owners, Citizens, AAA, Frankenmuth, Progressive, and The Hartford, among others. We compare these highly rated companies in order to present our customers with a comprehensive insurance plan at the most competitive price.
Services
After your submission, we will look through a variety of insurance companies including Auto-Owners, AAA, Citizens, Grange, Frankenmuth, Progressive, Foremost and Badger to find the best price and fit for you.
Keep in mind, an agent from one of our 3 offices will be contacting shortly after you submit your information to give you a quote or to get some additional information.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
We have been dealing with E. W. Smith Agency for more than 35 years.
Our current agent, has been servicing our insurance needs for the past 15 years.
She is always pro-active in contacting us regarding discounts available, and ideas to try to save money.
It means a great deal to have an insurance company and agent watching out for you, in this world where it is difficult to get excellent customer service.
E.W. Smith compares their highly-rated companies in order to present our customers with a comprehensive insurance plan at the most competitive price.
Every business has unique exposures and will need different types of coverage based on their specific company.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade.
General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
This includes damage caused by household pets.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance.
Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs.
It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term.
This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time.
For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
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