Willimantic, Connecticut

K.L. Smith Agency LLC

K.L. Smith Agency LLC

1486 West Main Street
Willimantic, CT 06226
K.L. Smith Agency LLC, Auto Insurance, Finance, Willimantic, Connecticut

For 62 years, home and business owners have relied on K.L. Smith Agency in Willimantic, Connecticut for all of their insurance needs. The family-owned and operated agency continues to uphold a commitment to providing their clients with top-notch personal service, access to the best insurance policies, and the area’s most competitive rates.

Founded in 1953 by Kenneth L. Smith, the K.L. Smith Agency evolved in 1956 when Royden Smith, Kenneth’s brother, bought the agency and expanded it to a full-time business. As word of mouth spread, the insurance company’s customer base grew. The family tradition continued when Royden's sons, Todd and Garth, joined the company in 1978 and 1980.

Today, K.L. Smith Agency offers a full suite of insurance plans for nearly every aspect of your life at rates that won’t break your budget. From car insurance, flood insurance, and small business insurance to homeowners' insurance, life insurance, and health insurance, the team of specialists at K.L. Smith Agency will ensure you have the protection you need. One quality that distinguishes the insurance agency from their competitors is the wide range of unique policies K.L. Smith Agency offers, such as RV insurance, dwelling fire insurance, earthquake insurance, wedding insurance, off-road vehicle insurance, and vacant dwelling insurance.

K.L. Smith Agency also takes the time to educate potential and existing clients about having the right type of insurance coverage to best suit their individual needs. In their “Products/Learning Center” section on the K.L. Smith Agency website, consumers have access to a host of information, including an explanation of the factors that affect insurance rates, what considerations to make when you're choosing a policy, and the type of coverage clients receive through different types of insurance.

When you’re ready for excellent personal service from a local, independent insurance agency, call K.L. Smith Agency for a free, no-obligation insurance quote at (860) 423-9294. You can also visit their website to learn more about the variety of policies available.

Announcements & Events from K.L. Smith Agency LLC
3 Tips to Guard Your Business Against Fraud, Willimantic, Connecticut
Not only do customers rely on your business for its products or services, but you and your employees rely on it to provide financial stability for your families. It’s therefore essen...read more
COVID 19, Willimantic, Connecticut
Information about the Corona Virus/COVID 19 is all over the media and internet.  We at the K.L. Smith Agency, LLC are concerned and want you to be safe.  Please check this ...read more
Why Restaurant Owners Need Business Insurance, Willimantic, Connecticut
Having a restaurant is a rewarding, exciting venture. It allows you to explore both analytical and creative pursuits while also interacting with new people every day. Before you can ...read more
4 Ways to Permanently Fix Ice Dams, Willimantic, Connecticut
During the winter, warm air from the inside of the home rises to the cold roof, where it melts the snow. The water runs and refreezes around the eaves, resulting in an...read more
Property Insurance Specialists’ Top Tips for Preventing Home Ice Damage, Willimantic, Connecticut
With winter in full swing, your home is vulnerable to damage from ice and cold. The property insurance agents at K.L. Smith Agency LLC in Willimantic, CT have seen it all w...read more
From buying a home to starting a family, getting married is usually the first step in a series of major financial decisions. With all these issues to sort through, couples often...read more
If you lease a home or an apartment, you might assume that your landlord is responsible for incidents that occur on the property. However, while the property may be insured to c...read more
To all of our friends we wish you a Happy Thanksgiving.  We are thankful that you have put your trust in our agency.  Please be safe in your travels.   read more
If you recently purchased a house, you’re probably unpacking and decorating. One responsibility you can’t neglect, though, is investing in a homeowners insurance policy. Th...read more
Bring your children to Trick or Treat on Main Street on Halloween.  Fun for all ages. http://www.willimanticdowntown.org/events/eventView.asp?EventID=2   read more
Car insurance is a necessity for any motorist. Most states require you to have liability insurance coverage, and the right policy could make the difference in covering vehi...read more
Ride-sharing apps, such as Uber® and Lyft®, are quickly growing in popularity. They provide a way for drivers to make a little extra cash and make it easier for passengers to reach t...read more
While the Atlantic Coast hurricane season began in June, it’s still important for Connecticut homeowners to prepare for possible events—especially as the peak season between mid-Augu...read more
The fall semester is only a few months away, which means thousands of college students across the country will be leaving home for the first time. Like many college students, they’ll...read more
Unlike auto coverage, boat insurance isn’t required by law in Connecticut. However, there may be other reasons why you might be required to insure your watercraft. For example, you m...read more
Airbnb®, VRBO®, and other home-sharing platforms offer the potential to make money off your home while you’re out of town. These services can help you cover the bills if you’re plann...read more
Owning a recreational vehicle (RV) provides the ultimate level of freedom to travel in both comfort and style. But, before you hit the road in your new transportable home, it's ...read more
Homeowners throughout Connecticut look forward to the spring thaw when the sun finally shines, and the snow starts to melt. However, the runoff from melting ice and snow ca...read more
Fine jewelry is always a popular gift, but they’re also especially vulnerable to fire, natural disasters, and theft. While your homeowners insurance policy will compensate you for mo...read more
Ice dams are a common cause of homeowner's insurance claims during winter, but only after they cause damage to the home. Most insurers won't pay to have them removed as a preventativ...read more
Are you going home to see the family this holiday season? While most of us think about the excitement of the season, many forget to take precautions when driving in icy or snowy weat...read more
When it comes to purchasing renter’s insurance, there are a lot of misconceptions out there that might cause you to get the wrong coverage or not have an affordable rate. From not th...read more
While most of this year’s hurricanes caused damage in southern states and along the lower East coast, Connecticut is not immune to the storm’s devastation. That’s why state officials...read more
With fall just around the corner, many Connecticut residents are concerned about the impending stormy season. Hurricanes are just one occurrence that can cause property damage as wel...read more
Your wedding is supposed to be one of the best days of your life. After spending years dreaming about it and months preparing for it, you want to make sure the occasion turns out how...read more
Whether a flood occurs due to inclement weather or a problem with plumbing, the resulting damages a property suffers can be significant. If you aren’t adequately prepared to handle t...read more
In some states, like Connecticut, you do not have to purchase or maintain liability insurance to own, register, or operate a vessel; however, private institutions like lenders and ma...read more
Unlike car insurance, motorcycle insurance has the specific coverage you need if you’re going to break out your bike this spring. K.L. Smith Agency LLC has provided qu...read more
Auto accidents are often unavoidable, so it’s crucial to protect yourself by purchasing the proper car insurance policy. With both collision coverage and comprehensive plans ava...read more
Winter weather conditions can wreak havoc on your home, ruining roofing materials, destroying windows, and causing extensive water damage throughout the structure. In these unfortuna...read more
Making sure your home is properly heated during the winter is of the utmost importance. However, things like fireplaces and space heaters must be used correctly, or you might run the...read more
When winter weather rears its icy head, motorists face an increasing number of hazards on the road. From impaired visibility to black ice, obstacles can be dangerous and potentially ...read more
When it comes to car insurance, there are a number of factors that determine how much policyholders will pay. The key is to secure affordable coverage designed to be there in case an...read more
Fall is here, which means homeowners should keep an eye on any essential maintenance or repairs that are best performed during this time of year. To this end, the skilled and kn...read more
If you rent out a residential home or multifamily property, landlord insurance can protect you from financial losses stemming from fire, robbery, or even storm damage. To ensure...read more
If your business maintains a fleet of vehicles, you’ll need a commercial auto insurance policy to cover any accidents or damage you or your drivers cause. Without it, you could be he...read more
From hiring employees to managing finances, as a small business owner, you have myriad responsibilities. To ensure you protect yourself from major hardships down the road, you need t...read more
There are still several months left of 2017's Hurricane Season, so if you live on the Eastern Seaboard and have not made insurance preparations, it's time to do so now. K.L. Smith Ag...read more
Please check out this article about fire safety:  https://www.travelers.com/resources/home/fire-safety/cooking-fire-safety.aspx?cm_mmc=TWITTER-_-PI-_-Spring/Summer%202017-_-Cook...read more
Most people have renters insurance, but not everyone knows what it does and doesn’t cover. K.L. Smith Agency takes the mystery out of your renter’s policy by providing you with the n...read more
To register a motorcycle, moped, scooter, or dirt bike in the state of Connecticut, you must have adequate liability coverage. This will protect both you and other drivers if there’s...read more
This is an interesting video about extension cords.  Please view it and then look for potential fire hazards in your house.  https://www.cnet.com/paid-content/news/watch-an...read more
The onset of summer is a popular time for taking road trips in an RV, heading out in the family boat, or hitting the road on a motorcycle. Before you start to enjoy yo...read more
The Thread City Hop Fest is on April 30, 2017.  If you attend please have a designated driver---don’t drink and drive.  http://www.threadcityhopfest.com/ read more
As the landlord of a multifamily property, you will have different insurance needs than a traditional homeowner. Although there are some similarities between the two types of coverag...read more
Deciding what kind of car insurance you need can be challenging, as everyone's car insurance needs vary. But doing your research will pay off should you ever need to file a...read more
Life and health insurance are essential for most Americans. Health insurance pays medical expenses, while life insurance replaces the loss of family income in the even...read more
As a business owner, one of the most important responsibilities you have is to make sure your operations are properly protected with adequate commercial liability insurance. Business...read more
With winter in full swing, your home is vulnerable to damage from ice and cold. The property insurance agents at K.L. Smith Agency LLC in Willimantic, CT have seen it all when i...read more
Many small business owners and contractors assume that only large corporations, construction companies, and delivery drivers need to carry commercial auto insurance. Unfortunately, t...read more
With winter in full swing, your home is vulnerable to damage from ice and cold. The property insurance agents at K.L. Smith Agency LLC in Willimantic, CT, have seen much wh...read more
Business insurance is not just for big corporations—it’s essential for small businesses too. While navigating the market can be overwhelming, K.L. Smith Agency of Willimant...read more
Car accidents tend to increase during the winter months because of inclement weather. Rain, snow, and ice present dangers that are often hidden until it’s too late, especially i...read more
Autumn in the Northeast is breathtaking, but it also means winter can't be far behind. When the temperature drops, winter storms occur that cause serious damage to your home. Fo...read more
Whether or not you have property insurance, a fire at your home will have a major impact on your day-to-day life. To avoid this, it’s crucial to cover all your bases—from regula...read more
If you own a car or a home, you've likely taken the time to ensure that your property is protected by sound insurance policies, but what measures have you taken to protect the most i...read more
When you buy a house, most mortgage lenders require proof of homeowners insurance to protect their collateral. Homeowners insurance also protects you when something goes wrong w...read more
Hurricane season in the North Atlantic region lasts through November, and during this period, it’s important for residents of the affected areas to ready themselves and their homes f...read more
Many renters live under the impression that their landlord's property insurance policy will protect them against unexpected disasters, a very common misconception that exposes you to...read more
Recreational vehicles are a great way to explore the open road while still being able to have all the comforts and conveniences of home. However, before you can start your journey, y...read more
Long afternoons on the water is one of summer’s greatest pleasures, but if you're planning on pulling that boat out of storage or buying one, you'll need a comprehensive boat insuran...read more
Setting up business insurance is just one of many responsibilities that a company owner has on their to-do list. That said, it’s important to realize that not all insurance...read more
It’s a question most people don’t want to consider: how would your family manage if something unfortunate ever happened to you? Part of the answer lies in the type of life insurance ...read more
Identity thieves target everyone.  Don't be a victim.  Check out these tips on how to protect yourself and family.  http://1Ue8YEcread more
The Willimantic Third Thursday Street Festival starts its 15th season on May 19, 2016.  Check it out at www.willimanticstreetfest.com/index.htmHave fun!read more
Your standard homeowners or condominium insurance policy does not cover floods.  Check this website from FloodSmart.gov:  https://www.floodsmart.gov/floodsmart/pages/floodi...read more
Online insurance tools make buying motorcycle insurance very easy, but the complexity of the market can make it difficult to know exactly what coverage you're getting. For 62 years,&...read more
When you're a small business owner or entrepreneur, you know that running the show is extremely hard work. You get the thrill of being in charge, but you also have to make sure that ...read more
Vehicle owners often go ahead and choose their car insurance coverage without really knowing if they’re getting all the protection they need, and then go on to pay the premium for ye...read more
Winter in Connecticut can bring with it icy roads, snowstorms that can damage vital parts of your house, and all sorts of other dreariness. With that in mind, it's important to make ...read more
Selecting suitable homeowners insurance can be intimidating, especially for those unfamiliar with the process. The right plan should satisfy all coverage needs without being exorbita...read more
K.L. Smith Agency is a full-service insurance agency with a long history of making sure residents in Willimantic, CT area have all the coverage they need. Since 1953, these...read more