Smith & Sons Insurance Agency

05/30/2026

05/28/2026

Traditional health insurance plans are NOT the only option for medical protection benefits.

Ask us how to learn more, and…

Follow Heartland Benefits Group

05/26/2026

Oklahoma storms wreck havoc in many ways. 🌪️⛈️

Before the next wind or hail storm hits, make sure you know:
✔️ What your policy actually covers
✔️ What your deductible will cost you
✔️ Who you trust to call after the storm

Too many homeowners only discover their deductible after damage happens. And in Oklahoma, a 1% or 2% wind/hail deductible can mean thousands of dollars out of pocket.

When everyone in town suddenly needs roof repairs at the same time, having a trusted roofer already in mind will make a huge difference. 🏠

We’re always happy to review your coverage, explain deductibles, and help you better understand how your policy may respond before severe weather strikes.

We can also introduce you to some truly excellent roofers!

05/22/2026

Remember. Honor. Celebrate.
Have a great (and safe) Memorial Day Weekend!

05/20/2026

May 20th is so here is a recent video of an American Bumblebee on an ‘Augusta Duelberg’ salvia.

Did you know there is an estimated 750-1,000 different bee species just in Oklahoma? Honey bees serve their own purpose, but came from another continent. Our native species, like this bumblebee, thrives on plants that are native to their home range.

05/19/2026

Whether it’s your building, a leased space or a home office, your business personal property and tools/equipment can be covered. But are they covered appropriately?

Explore business insurance types and learn about coverage that can help protect your business and employees from risks. ✓ Get a quote from The Hartford today.

05/18/2026

Emergency Preparedness Plan - have you and your family made one?

Warmer temperatures and changing weather patterns can often bring severe convective storms, triggering strong thunderstorms with heavy rain, gusty winds, hail and even tornadoes. 🌪️⚡

Now is the time to review your emergency preparedness plans and prepare yourself, your home and your loved ones for the season’s severe weather.

For tips, visit: https://travl.rs/4nCRJl8.

05/18/2026

🚗💥 Auto liability coverage is actually pretty simple once you break it down.

If an accident is considered your fault — even if it was truly accidental, unavoidable, or you disagree with who’s fault they say it was — your liability coverage is designed to help pay for the damage or injuries you caused.

Your policy typically shows 3 liability limits:
👉 Bodily Injury (BI) — Per Person
👉 Bodily Injury (BI) — Per Accident
👉 Property Damage Liability

🔒Always double-check your policy:
There’s almost never a deductible for liability claims. Your insurance company usually pays covered damages directly up to your policy limits.

Real-life examples:
• Someone suddenly walks in front of your vehicle at a crosswalk 🚶
• You slide on ice and hit a vehicle with multiple passengers ❄️🚘
• The wind catches your door and dents the car next to you 🌬️🚗

Accidents happen. That’s life.
That’s also why you carry insurance.

Yes — an at-fault accident can impact your rates at renewal. But for most people, it’s not financially life-changing… especially compared to paying out of pocket for injuries or property damage yourself. And if rates do increase significantly, we have multiple insurance companies to shop with for you. 👍

05/15/2026

Family means everything to us — at home and in business.

As a fourth-generation family-owned agency, we’re grateful for the relationships, trust, and community that have supported our family through the years. On this upcoming International Day of Families, we celebrate the people who stand beside us through every season of life.

From our family to yours — thank you for being part of our story. ❤️

09/04/2025

Our phone lines are down! Please send us a message here on Facebook if you need to reach us.

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