Personal Insurance
Protecting What Matters Most to You and Your Family
Your home, your car, your belongings, your family's financial future — these aren't just assets. They're the things you've worked hard for and the people you love most. At Smarr Insurance, we make sure they're protected properly.
As an independent agency, we shop your personal coverage across multiple top carriers — including Liberty Mutual, Travelers, American Modern, Homeowners of America, and more — to find the right fit for your situation and your budget. You get real options from real carriers, not a one-size-fits-all policy from a single company.
Auto Insurance
Missouri requires every driver to carry minimum liability coverage — but state minimums are rarely enough to fully protect you if something serious happens. We help you understand what adequate coverage actually looks like for your situation, and find a policy that gives you genuine protection without overpaying.
We can cover personal vehicles, multiple cars under one policy, teen drivers, and specialty vehicles. And if you bundle your auto with your homeowners policy, you'll almost always find meaningful savings across both.
Umbrella Insurance
Sometimes standard liability limits aren't enough. An umbrella policy provides an additional layer of liability protection above and beyond what your home and auto policies cover — at a price that's typically very reasonable for the amount of coverage you get. If you have significant assets, it's worth the conversation.
Homeowners Insurance
Your home is likely the biggest investment you'll ever make. A solid homeowners policy protects the structure of your home, your personal belongings, and your liability if someone is injured on your property — and it covers additional living expenses if your home becomes uninhabitable after a covered loss.
But not all homeowners policies are the same. We take the time to understand your home, your coverage needs, and your budget, then match you with a carrier and policy that genuinely fits — not just the minimum your mortgage lender requires.
Whether you're a first-time buyer, an established homeowner, or somewhere in between, we're here to make sure your coverage keeps pace with your life.
Buying a new home? Ask us about Homeowners of America Insurance — we offer some fantastic discounts specifically for new home purchases that can make a real difference to your premium from day one.
Renters Insurance
If you rent your home or apartment, your landlord's insurance covers the building — but not your belongings, and not your personal liability. Renters insurance is one of the most affordable policies available and one of the most overlooked. For just a few dollars a month, you protect everything inside your four walls.
Specialty & Non-Standard Coverage
Not every situation fits the standard mould. Vacant homes, seasonal properties, mobile homes, older homes, high-value homes — these can all be tricky to insure through standard carriers. Through our access to American Modern and a wide network of specialty and E&S markets, we can find coverage for situations that other agents sometimes can't.
Ready to review your personal coverage or start fresh? Give us a call at (660) 747-7654, email us at sales@smarrinsurance.com