Since 1947, Cowell & Smith Insurance Agency has been offering auto and home insurance to clients in the California area. As a family owned and operated insurance agency, our experienced staff is here to help you find the insurance policy solutions you need. We are committed to providing our customers with affordable rates as well as insurance options.

Cowell & Smith Insurance Agency is a proud member of the American Agents Alliance. If you are looking for prompt and professional insurance agents, call Cowell & Smith Insurance Agency today.

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Auto Report

There are many different situations where auto insurance coverage comes in handy. From auto accidents and injuries to hail damage and theft, it's important to make sure you are always covered. With Cowell & Smith Insurance Agency, rest easy knowing you have the premium coverage of major insurance companies with the dedicated service of a local, independent insurance agency.

Homeowners Report

Buying a house and turning it into your home is hard work. As one of the largest investments in the average persons life, protect your home with a tailored insurance plan that meets your coverage needs. Cowell & Smith Insurance Agency offers the dedicated and thorough service you need with the best possible rates there are to offer.

Recreational Report

California is the place for adventure. From the mountains to the ocean, there are all opportunities for thrill seekers to enjoy the great outdoors with various recreational vehicles. With Cowell & Smith Insurance Agency, you can be sure all your insurance needs are covered with customizable insurance policies.

Motorcycle Report

California is the perfect place for motorcyclists to hit the open road. Not only does the weather call for it almost daily but allow you to beat the traffic along 1-5. However, it is no secret motorcycle accidents occur and can be life changing. Cowell & Smith Insurance Agency offers premium motorcycle insurance policies tailored to you and your coverage needs.

Amber Kenyon

Aug 23, 2021

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This family owned agency is very helpful and professional. Love that you can actually reach a person and not have to go through multiple automated messages when I call and have a question about my bill or policy. They always go above and beyond to find me the best rates.

Brittany Pelham

Aug 17, 2021

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The cowell and smith team takes care of all my family's insurance needs, from auto to home to business. They went through a lot of trouble to place a property of mine that needed special fire coverage. Bob is a cool cat to chat with. Sheila is a boss. Julie takes care of business. Another plus, they are family owned and local!

Eric N.

Nov 10, 2020

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Kathy was very helpful and professional and I highly recommend her and Cowell & Smith. The Hartford I do not recommend as also Hub international. The Hartford dropped me after 30 years with home and auto. The California fires. dropped like a bag of s***. Other local insurance firms honored past members but not the Hartford. Go to Cowell and Smith for your insurance needs

Mary F.

Oct 04, 2019

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My husband and I have been finding it difficult to find insurance for our home because we live in Prunedale. Cowell & Smith had been recommended by several others in the area suggested we talk to Bob. Bob was awesome. He listened to our needs and was able to help us quickly.

Brandon J.

Aug 31, 2019

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Got a great rate and the staff couldn't be friendlier. Highly recommend this place for anyone needing insurance. They do motorcycles too

Julie R.

Apr 13, 2018

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Great help with my claim, good rates. Quick, professional service.

Heather C.

Aug 09, 2017

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I've been a client for nearly 15 years now and cannot say enough positive remarks about the staff and their service. We've had two accidents in the past year and they have been so helpful in assisting and processing everything for us in a very timely and efficient manner. Thank you to Bob, Julie and Sheila!

Chantal S.

Apr 19, 2016

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I have been doing business with Cowell and Smith insurance for over 25 years. They have always given me great customer service and I love they are a local business.

Brandon J.

May 28, 2015

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Great family owned business with great customer service. They are always very helpful and patient with me when I come in. Been coming here for years and plan to stay for many more.

Andrew G.

Sep 02, 2014

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Sheila and her staff offer the best service and a stress free experience best broker in the state of California. They use integrity and are very good at getting you the best rate and helping with any questions about your policy, claims and all your insurance needs.

Alice G.

Jun 15, 2007

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For those of you who are less than perfect drivers and can't get insurance with the big four, don't just go to the nearest web site. Insurance is a dialog. Your insurance agent can point out your gaps in coverage by engaging you with questions and conversation. Get an agent who cares about you, even if you have a crappy record! Go to a mom & pop & daughter agency like this one. Bob and Sheila Smith and their daughter Julie will give you the straight scoop.

They can shop for the best premium, but they will also tell you what's realistic. These are reputable people who have been in the insurance business for a long time. They will take care of you.