K.L. Smith Agency LLC

K.L. Smith Agency LLC We are a full service insurance agency. We represent several companies in order to customize insuran 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, boug

ht 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.

Fire pits are a great way to enjoy the outdoors, but safety should always come first. Keep your fire pit at least 10 fee...
09/02/2026

Fire pits are a great way to enjoy the outdoors, but safety should always come first. Keep your fire pit at least 10 feet away from structures, never leave it unattended, and make sure it is fully extinguished before leaving the area. Learn more:

Fire pits are a great way to enjoy the outdoors, but safety should always come first. Keep your fire pit at least 10 feet away from structures, never leave it unattended, and make sure it is fully extinguished before leaving the area. Learn more: ...

Pool days are better when safety comes first. Keep your pool secured, always supervise swimmers, and have safety equipme...
09/01/2026

Pool days are better when safety comes first. Keep your pool secured, always supervise swimmers, and have safety equipment nearby. A little preparation can help everyone relax and enjoy the season. Learn more about pool safety tips.

Pool days are better when safety comes first. Keep your pool secured, always supervise swimmers, and have safety equipment nearby. A little preparation can help everyone relax and enjoy the season. Learn more about pool safety tips. ...

Before your kids head out the door, make sure they know how to get to school safely, no matter how they are getting ther...
09/01/2026

Before your kids head out the door, make sure they know how to get to school safely, no matter how they are getting there. Here are a few tips to keep in mind:

🔵Walking to school? Stick to sidewalks, cross only at crosswalks, make eye contact with drivers before stepping into the street, and always walk in a group when possible.

🔵Riding a bike? A properly fitted helmet is non-negotiable. Remind students to ride on the right side of the road with traffic, come to a complete stop before crossing, and choose a route with minimal intersections and light traffic.

🔵Taking the bus? Students should stand at least 6 feet back from the curb when waiting for a bus, wait for the bus to come to a complete stop before boarding, and never walk behind or in front of a bus without making eye contact with the driver first.

🔵Getting dropped off? If you drive your child to school, obey school zone speed limits, follow your school's drop-off procedure, and never pass a bus that is loading or unloading children.

🔵Teen drivers? Review the basics of safe driving. This includes, but is not limited to, having all passengers wear seatbelts, putting devices away while driving, and driving the speed limit.

We hope you find these tips helpful as students transition back to school. As always, if you have any needs or questions, do not hesitate to reach out to our team. We are happy to help.

Backyard fun is better when everyone is safe! From trampolines and fire pits to garden ponds and playsets, a little prep...
08/31/2026

Backyard fun is better when everyone is safe! From trampolines and fire pits to garden ponds and playsets, a little prep goes a long way. Check out these backyard safety tips before your next gathering.

Backyard fun is better when everyone is safe! From trampolines and fire pits to garden ponds and playsets, a little prep goes a long way. Check out these backyard safety tips before your next gathering.

Weather is unpredictable, but your support on the road doesn’t have to be. From dead batteries to flat tires, Roadside A...
08/28/2026

Weather is unpredictable, but your support on the road doesn’t have to be. From dead batteries to flat tires, Roadside Assistance through Travelers helps when unexpected car trouble happens. Contact us to learn how roadside assistance coverage can help keep you moving.

New teen drivers face higher risks on the road, but strong habits can make a difference. Encourage practice, limit distr...
08/26/2026

New teen drivers face higher risks on the road, but strong habits can make a difference. Encourage practice, limit distractions, set clear rules, and reinforce seat belt use. Staying focused, rested, and prepared helps teens build confidence and drive more safely.

New teen drivers face higher risks on the road, but strong habits can make a difference. Encourage practice, limit distractions, set clear rules, and reinforce seat belt use. Staying focused, rested, and prepared helps teens build confidence and drive more safely.

Telematics insurance promises lower premiums for safe drivers, and in many cases, it delivers. But whether it is worth s...
08/25/2026

Telematics insurance promises lower premiums for safe drivers, and in many cases, it delivers. But whether it is worth signing up for depends on more than just your driving record. Swipe through to get a clearer sense of what these programs involve and what to weigh before you decide.

If you have questions about your auto insurance policy or if a telematics policy fits your needs, give us a call today. We are here to help.

Many business owners assume that their insurance coverage begins on the same day they confirm their policy. However, it ...
08/25/2026

Many business owners assume that their insurance coverage begins on the same day they confirm their policy. However, it is not always that simple. Understanding your policy's effective date and how to align it with your business operations is one of the most practical steps you can take to protect your business. Swipe to learn more.

If you have questions about your commercial insurance coverage or your policy’s effective dates, reach out to us. We are here to help.

Do you know what your car insurance covers? Here are four essential terms every driver should know — Liability, Comprehe...
08/24/2026

Do you know what your car insurance covers? Here are four essential terms every driver should know — Liability, Comprehensive, Collision, and Deductible — so you're never caught off guard when it matters most. Have questions about your coverage? Reach out to us anytime. Learn more about car insurance coverage:

Do you know what your car insurance covers? Here are four essential terms every driver should know — Liability, Comprehensive, Collision, and Deductible — so you're never caught off guard when it matters most. Have questions about your coverage? Reach out to us anytime. Learn more about car...

Regardless of whether it’s your first time obtaining commercial insurance or if you’ve navigated this process before, th...
08/20/2026

Regardless of whether it’s your first time obtaining commercial insurance or if you’ve navigated this process before, the language of commercial insurance policies can be very confusing.

Understanding your policy is one of the first steps to making the most of it. So, we wanted to clear up a few commercial insurance terms to help you better understand your policy. Swipe for more information.

We hope you found this guide helpful. As always, know that we are here to help answer questions about your policy and talk you through any parts that are giving you trouble. Don’t hesitate to reach out to our team.

Address

1486 West Main Street
Willimantic, CT
06226

Opening Hours

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

Telephone

+18604239294

Website

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