About Us

Micheal Smith Insurance OfficeMicheal Smith Insurance Agency, located at 1200 Sunset Street, Middletown, Ohio is a strong believer in supporting local organizations and is very involved in his community. The Micheal Smith Insurance Agency is involved in the Middletown Rotary Club, The West Carrollton Lions Club, and the local LGBT Communities. We offer Personal Lines (Home and Auto), Commercial Lines and Life Insurance/Annuities.

The Micheal Smith Insurance Agency is licensed in the following 11 States: AZ, CO, MO, IL, OH, IN, KY, TN, GA, FL, and NC.

Principal agent Micheal Smith has over 45 years of customer service experience with 28 years in the Middletown area, and 13 years in the Insurance Industry. Micheal Smith has been a Licensed Notary in and for the State of Ohio for about 25 years. Micheal says, “I’m here to help you with your insurance decision-making process.” “As your local insurance guy, I’ll work hard to ensure that you have the best possible coverage for your very unique situation.”

An Independent Advantage

We are Independent Agents in Middletown, Ohio, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Micheal Smith Insurance Agency represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it’s up to you to make the final choice.