Personal Insurance

"We encourage a close client/agent relationship that can last for many years."

As an Independent Insurance Agency, the Personal Lines Division of Chappell, Smith & Associates, Inc. represents a variety of insurance companies. These companies are selected on breadth and completeness of coverage, financial strength and complete and prompt claims service, as well as price competitiveness. In addition to our more conventional Personal Lines portfolio of products, we offer several personal package policies. This is the concept of combining homeowner and auto coverages into one policy. Usually, the package offers additional frill coverages and premium package discounts.

To insure competitive pricing, Chappell, Smith & Associates, Inc., subscribes to an automated rating service. This service enables comparison premium shopping at the flip of a switch. At each renewal, you will know premium trend changes by comparing actual quotations from the industry leaders.