Business Details
50+ Years
experience
Your Trusted Insurance Partner in Monterey, CA
Since 1947, Cowell & Smith Insurance has provided personalized auto and home insurance solutions to clients in California. As a family-owned agency, we combine decades of industry experience with a commitment to affordable rates and tailored policy options. Our team prioritizes prompt, professional service, ensuring clients receive comprehensive coverage that meets their unique needs. Recognized for local expertise and customer-centric values, we maintain membership in the American Agents Alliance to uphold industry standards. Client testimonials highlight our reliability, with decades-long relationships built on trust and efficient claims processing.We specialize in auto, homeowners, renters, motorcycle, recreational vehicle, and small business insurance policies. Our Monterey-based office operates Monday through Friday with after-hours appointments available upon request. With over 75 years of combined experience, we remain dedicated to protecting what matters most to our clients. Our approach balances competitive pricing with personalized guidance, ensuring clients understand their coverage options. This legacy of service continues to define our mission in the communities we serve.
Services
Auto Insurance
Homeowners Insurance
Renters Insurance
Motorcycle Insurance
Recreational Vehicles
Small Business Insurance
Watercraft Insurance
Motorhome Insurance
ATV Insurance
Details
- Year established: 1947
Highlights and features
- We have over 75 years of combined experience in the insurance industry.
- Our team provides personalized policy solutions tailored to individual needs.
- We offer competitive rates without compromising coverage quality.
- Our staff maintains membership in the American Agents Alliance.
- We provide prompt claims assistance with decades-long client relationships.
What people say
Prompt and professional
Great customer service
Timely and efficient
Local business
Patient and helpful
Services
Auto Insurance
Our auto insurance policies provide comprehensive protection for drivers across California. Coverage includes collision, liability, and theft protection with customizable options to suit individual needs. We help clients secure competitive rates while ensuring adequate coverage for vehicles of all types.
Homeowners Insurance
Homeowners insurance plans safeguard against fire, theft, and natural disasters for residences in Monterey and surrounding areas. Policies include dwelling coverage, personal property protection, and liability insurance. Our team assists clients in selecting appropriate coverage limits for their primary residences.
Recreational Vehicles
Specialized insurance for recreational vehicles including motorhomes, ATVs, and watercraft. Coverage options address collision damage, towing costs, and liability protection for outdoor enthusiasts. We offer customizable policies to protect investments in recreational vehicles across California.
Renters Insurance
Renters insurance policies protect personal belongings against fire, theft, and storm damage. Coverage includes personal property protection, loss of use, and liability insurance for tenants. Our affordable plans help renters secure financial protection without landlord-provided coverage.
Motorcycle Insurance
Comprehensive motorcycle insurance policies covering collision, liability, and theft risks for California riders. We offer competitive rates with options for custom bike coverage and safety course discounts. Our team helps motorcyclists secure protection that matches their riding habits and vehicle value.
Questions
How do I request an insurance quote?
Contact us via phone at 831-372-5800 or email to request a free quote for auto, home, or business insurance policies.
What insurance services do you offer?
We provide auto, homeowners, renters, motorcycle, recreational vehicle, and small business insurance policies tailored to California residents.
Are you a local insurance agency?
Yes, we're family-owned and operated in Monterey, CA since 1947 with deep community ties and local expertise.
Do you offer after-hours appointments?
After-hour appointments are available by request for clients needing flexible scheduling outside regular business hours.
What payment methods do you accept?
Payment options are discussed during policy setup, with flexible arrangements available for premium payments.
Reviews (7)
Amber Kenyon
Aug 23, 2021
Report
This family owned agency is very helpful and professional. Love that you can actually reach a person and not have to go through multiple automated messages when I call and have a question about my bill or policy. They always go above and beyond to find me the best rates.
Brittany Pelham
Aug 17, 2021
Report
The cowell and smith team takes care of all my family's insurance needs, from auto to home to business. They went through a lot of trouble to place a property of mine that needed special fire coverage. Bob is a cool cat to chat with. Sheila is a boss. Julie takes care of business. Another plus, they are family owned and local!
Eric N.
Nov 10, 2020
Report
Kathy was very helpful and professional and I highly recommend her and Cowell & Smith. The Hartford I do not recommend as also Hub international. The Hartford dropped me after 30 years with home and auto. The California fires. dropped like a bag of s***. Other local insurance firms honored past members but not the Hartford. Go to Cowell and Smith for your insurance needs
Mary F.
Oct 04, 2019
Report
My husband and I have been finding it difficult to find insurance for our home because we live in Prunedale. Cowell & Smith had been recommended by several others in the area suggested we talk to Bob. Bob was awesome. He listened to our needs and was able to help us quickly.
Brandon J.
Aug 31, 2019
Report
Got a great rate and the staff couldn't be friendlier. Highly recommend this place for anyone needing insurance. They do motorcycles too
Heather C.
Aug 09, 2017
Report
I've been a client for nearly 15 years now and cannot say enough positive remarks about the staff and their service. We've had two accidents in the past year and they have been so helpful in assisting and processing everything for us in a very timely and efficient manner. Thank you to Bob, Julie and Sheila!
Chantal S.
Apr 19, 2016
Report
I have been doing business with Cowell and Smith insurance for over 25 years. They have always given me great customer service and I love they are a local business.
