Fulton Smith Insurance

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Fulton Smith Insurance Local insurance agency you can trust 🤝
Personal insurance • Kentucky commercial insurance • Independent agents 🛡️
Real relationships. Real protection.

After 41 years in insurance, I've learned that sometimes the most important thing you can give someone isn't an immediat...
10/16/2026

After 41 years in insurance, I've learned that sometimes the most important thing you can give someone isn't an immediate answer. It's your time.

Whether someone is buying their first home, trying to understand a policy, or dealing with an unexpected situation, taking a few extra minutes to listen can make all the difference.

That's the kind of agency I've always wanted Fulton Smith Insurance to be. One where people feel comfortable calling, asking questions, and knowing they'll be treated like more than a policy number. 🤝

I'm proud of the team we've built and the relationships we continue to make throughout Southern Indiana.

Thank you for allowing us to be part of your lives and your community! 🤍

Your home isn't always the only structure on your property. 🏡What about that detached garage, storage shed, or workshop ...
10/15/2026

Your home isn't always the only structure on your property. 🏡

What about that detached garage, storage shed, or workshop in the backyard?
Many homeowners insurance policies include something called Other Structures Coverage, which may help protect certain structures that aren't attached to your home.

But here's what's important: coverage limits, how the building is used, and what's stored inside can all make a difference.

At Fulton Smith Insurance, we want homeowners throughout Southern Indiana to understand what their policies actually protect.

Have a detached garage, shed, or workshop? Let's make sure you understand how it's covered! 🤝

Behind every successful harvest are early mornings, long evenings, and families working hard to keep everything moving. ...
10/14/2026

Behind every successful harvest are early mornings, long evenings, and families working hard to keep everything moving. 🌾🚜

Here in Southern Indiana, agriculture is more than an industry. It's part of the communities we call home.

While many of us are enjoying the changing leaves and cooler weather, our local farmers are putting in some of their longest days of the year.
At Fulton Smith Insurance, we have a tremendous amount of respect for the dedication it takes to keep our farming communities going.

To all the farmers and families working through harvest season, we appreciate you and wish you a safe, productive harvest! 🤎

You have car insurance, but what happens if the driver who hits you doesn't? 🚗That's where uninsured motorist coverage m...
10/13/2026

You have car insurance, but what happens if the driver who hits you doesn't? 🚗

That's where uninsured motorist coverage may come into play!

Depending on your policy and state, uninsured motorist coverage can help protect you when you're involved in an accident caused by a driver who doesn't have liability insurance.

It's one of those coverages that can be easy to overlook until you actually need it.

At Fulton Smith Insurance, we want our clients to understand more than just their monthly premium. We want you to know what protection you have and why it matters. 🤝

Not sure what uninsured motorist coverage you carry? Give us a call, and let's take a look together!

Fall maintenance isn't just about keeping your home looking nice. It's also about protecting one of your biggest investm...
10/12/2026

Fall maintenance isn't just about keeping your home looking nice. It's also about protecting one of your biggest investments! 🍂🏡

One thing we always want homeowners to understand is that insurance and regular home maintenance serve two different purposes.

Homeowners insurance may help with certain sudden, unexpected damages, but it generally isn't designed to cover problems caused by normal wear, deterioration, or neglected maintenance.

That's why taking care of the little things now can make such a difference later!

At Fulton Smith Insurance, we believe protecting your home goes beyond simply having a policy. It's about helping you understand how to care for what you've worked so hard to own. 🤍

📍 Proudly serving homeowners throughout Southern Indiana!

Your business today probably looks a little different than it did when you first started, and that's something to be pro...
10/09/2026

Your business today probably looks a little different than it did when you first started, and that's something to be proud of! 📈

Whether you've added employees, invested in new equipment, or expanded your services, every milestone represents the hard work you've put into building your business.

But as your business grows, is your insurance growing with it?

At Fulton Smith Insurance, we understand how much goes into running a business. That's why we take the time to understand your operations and help you find coverage that fits your needs. 🤝

📍 Proudly helping Kentucky business owners protect what they've worked so hard to build.

Let's make sure your insurance keeps up with your success. Give us a call! 📞

What is umbrella insurance and do you actually need it? ☂️Despite the name, it has nothing to do with the weather.Person...
10/08/2026

What is umbrella insurance and do you actually need it? ☂️

Despite the name, it has nothing to do with the weather.

Personal umbrella insurance is designed to provide additional liability protection above certain underlying policies, subject to its terms and limits.
Think about the potential financial impact of a serious accident where you’re held responsible.

For some households, the liability limits on their home and auto policies may not provide the level of protection they want for their assets.
That’s where a conversation about an umbrella policy may come in.
It isn’t something everyone thinks about, but as your assets and responsibilities grow, it’s worth understanding.

📲 Wondering whether an umbrella policy makes sense for you? Ask us.

After 41 years in insurance, you might think I’ve seen just about everything.I haven’t.That’s one of the things that kee...
10/07/2026

After 41 years in insurance, you might think I’ve seen just about everything.
I haven’t.

That’s one of the things that keeps this business interesting. 💡

Every family is different. Every business is different. And just when you think you’ve heard every possible situation, someone walks through the door with a question you’ve never been asked before.

Experience doesn’t mean assuming you already know the answer.
I think it means knowing which questions to ask, where to look, and when to listen.

That’s something I’ve tried to carry with me throughout my career, and something we’ve built into Fulton Smith Insurance.

41 years later, I’m still learning. And I’m still listening. 🤝

What is an insurance deductible? 🧐It’s one of those insurance terms you’ve probably heard plenty of times, but do you kn...
10/06/2026

What is an insurance deductible? 🧐

It’s one of those insurance terms you’ve probably heard plenty of times, but do you know what yours actually is?

Generally, a deductible is the amount you’re responsible for paying toward a covered loss before applicable insurance coverage pays the remaining covered amount.

And here’s the important part:
Not every policy or every type of coverage, necessarily has the same deductible.

Knowing that number before you have a claim can make a stressful situation a little less surprising.
Pull out your home or auto insurance policy and see if you can find yours.

📲 Can’t find it? Give us a call. We’ll help you understand what you’re looking at.

Fall is here in Southern Indiana, and that means it’s time to get your home ready for the colder months ahead. 🍂🏡A littl...
10/05/2026

Fall is here in Southern Indiana, and that means it’s time to get your home ready for the colder months ahead. 🍂🏡

A little maintenance now can help prevent bigger and potentially more expensive, problems later.

We put together a simple Fall Home Checklist to help you get started.

👉 Swipe through the carousel and check these off your list:

🍂 Clean out gutters and downspouts
🏠 Check your roof for damage
🚰 Disconnect outdoor hoses and prepare exterior faucets
🔥 Have your furnace and heating system checked
🚨 Test smoke and carbon monoxide detectors
❄️ Look for areas that may need attention before freezing temperatures arrive

At Fulton Smith Insurance, we’re here to help protect your home, but we also want to help you take care of it before something goes wrong.

Save this checklist and knock out a few items this weekend!

Address

700 East 10th Street
Jeffersonville, IN
47130

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

Telephone

+18127250815

Website

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