Business Details
50+ Years
experience
Your Trusted Insurance Partner in Willimantic, CT
K.L. Smith Agency is a locally-owned, family-operated independent insurance agency serving Willimantic, CT and surrounding communities since 1953. Founded on the principle of providing top-quality insurance products and personalized service at competitive rates, we specialize in auto, homeowners, business, life, and recreational product insurance. With over 45 years of combined experience, Todd and Garth Smith lead our agency, maintaining their father's legacy of client-focused service. We prioritize accessibility, ensuring clients work directly with the same agent throughout their insurance journey.Our commitment to competitive pricing and streamlined claims processes has earned us long-term trust in the community. As a second-generation business, we combine deep local knowledge with industry expertise to deliver tailored solutions. Our team's dedication to transparency and client satisfaction ensures peace of mind for individuals and businesses alike. We pride ourselves on simplifying complex insurance needs while maintaining affordability. Evening appointments are available to accommodate busy schedules. For personalized service and comprehensive coverage, contact us today.
Services
Auto Insurance
Homeowners Insurance
Business Insurance
Life Insurance
Recreational Products
Details
- Year established: 1953
Highlights and features
- We offer personalized service with the same agent throughout your insurance journey
- We provide competitive rates while maintaining comprehensive coverage options
- Our team simplifies claims reporting through direct provider connections
- We combine 70+ years of combined industry experience with local market knowledge
- We offer flexible evening appointments for busy clients
What people say
Very helpful agents
Competitive rates
Responsive to questions
Easy claims process
Local business support
Services
Auto Insurance
We provide comprehensive auto insurance policies tailored to individual driving needs and vehicle types. Our coverage options include liability protection, collision coverage, and uninsured motorist provisions. With access to multiple carriers, we help clients find competitive rates while ensuring adequate protection for Connecticut drivers.
Homeowners Insurance
Our homeowners insurance policies protect against property damage, personal liability, and additional living expenses. We offer customizable coverage for various home types including single-family residences and multi-unit properties. Our agency assists clients with policy selection, risk assessment, and claims processing for residential properties in eastern Connecticut.
Business Insurance
We specialize in commercial insurance solutions for small to mid-sized businesses in Willimantic and surrounding areas. Our offerings include general liability, property insurance, and business interruption coverage. Our experienced agents help business owners assess risks and implement comprehensive protection strategies tailored to specific industries.
Life Insurance
We offer various life insurance options including term life and permanent coverage solutions. Our agents help clients evaluate their financial protection needs and select appropriate policies. We work with multiple providers to offer competitive rates for individuals seeking to protect their families' financial futures.
Recreational Products
We provide specialized insurance for recreational vehicles and equipment including boats, ATVs, and motorcycles. Our policies cover watercraft, off-road vehicles, and other leisure assets with tailored protection options. We help clients ensure their recreational investments are properly insured against potential risks.
People
Todd R. Smith
Co-Owner
Second-generation insurance professional with 45+ years experience, specializing in personal insurance lines. Licensed in property/casualty, life, and health insurance. Retired Command Sergeant Major from Connecticut Army National Guard. Holds economics degree from Eastern Connecticut State University.
Garth C. Smith
Co-Owner
Commercial insurance expert with 40+ years in the industry. Licensed in property/casualty, life, and health insurance. Focuses on business insurance solutions for local companies. Graduated with business administration degree from Eastern Connecticut State University.
Questions
How do I file an insurance claim?
Visit our Claim Report page and click your insurance provider's link to start the process. Our team assists with documentation and communication throughout the claims process.
What types of insurance do you offer?
We provide auto, homeowners, business, life, and recreational product insurance policies for individuals and businesses in eastern Connecticut.
How can I get competitive insurance rates?
Our independent agency compares multiple carriers to find quality coverage at competitive prices tailored to your specific insurance needs.
Can I meet with an agent outside regular hours?
Yes, we offer evening appointments to accommodate clients with busy schedules. Contact us to arrange a convenient meeting time.
What areas do you serve?
We primarily serve Willimantic, CT and surrounding communities in eastern Connecticut for both personal and commercial insurance needs.
Reviews (4)
Lindo Gatito
Apr 22, 2022
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First time working with this agency, they being very helpful so far hopefully we have a long working relationship
Doug Riquier
Jan 18, 2022
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Garth provided a great insurance package along with a better policy price. Very follow through. Very personal. Family business. Overall, a fantastic experience.
Kevin White
Nov 13, 2021
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K.L. Smith is an agency you can trust. Todd and Garth take time to understand your situation and your needs, and work to find the best possible product to protect you. I am very glad we have local people in our community who care about us. I know they care about me and my family.
Erik Bourassa
Jul 26, 2021
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I switched insurance over to Kl Smith over a year ago. Garth has been great to answer all my questions and made sure my business had all the proper coverage. Highly recommend