Business Details
50+ Years
experience
Your Trusted Insurance Partner in Monterey, CA
Cowell & Smith Insurance Agency has been family-owned and operated since 1947, serving clients in California with personalized insurance solutions. Our experienced team specializes in auto, home, renters, motorcycle, recreational vehicle, and small business insurance policies tailored to individual needs. We prioritize affordable rates while maintaining comprehensive coverage options and exceptional customer service. As a proud member of the American Agents Alliance, we uphold industry standards and ethical practices.Our commitment to local communities is reflected in our 75+ years of service and client testimonials praising our responsiveness and reliability. We offer customizable policies to protect personal and business assets, with flexible appointment options beyond standard business hours. Our staff's deep understanding of California's unique insurance needs ensures clients receive informed guidance and competitive pricing.
Services
Auto
Homeowners
Renters
Motorcycle
Recreational Vehicles
Small Business
Details
- Year established: 1947
Highlights and features
- Family-owned since 1947 with deep local expertise
- Experienced staff specializing in multiple insurance lines
- Customized policy solutions for personal and business needs
- Proven track record of timely claims processing
- Recognized industry membership through American Agents Alliance
Associations and certifications
- American Agents Alliance
What people say
Prompt and professional
Great customer service
Local business
Timely and efficient
Patient and helpful
Services
Auto Insurance
Comprehensive auto insurance policies protect California drivers against collision, liability, and theft risks. Our agents help clients secure coverage meeting state requirements while offering additional protections like roadside assistance. With decades of experience, we find affordable rates for personal and commercial vehicles.
Homeowners Insurance
Customizable homeowners insurance plans cover property damage from fire, storms, and theft. Policies include liability protection and optional endorsements for high-value items. Our local expertise ensures Monterey residents understand specific risks and coverage options for their most valuable asset.
Recreational Vehicle Insurance
Specialized insurance for motorhomes, ATVs, and watercraft protects California's adventure enthusiasts. Coverage includes collision, towing, and damage protection tailored to recreational vehicles. Our agents understand unique risks associated with outdoor activities and help clients secure appropriate protection levels.
Renters Insurance
Affordable renters insurance policies protect personal belongings against fire, theft, and storm damage. Coverage includes off-premises protection and temporary relocation expenses. We educate tenants about landlord insurance limitations and help secure policies matching their asset protection needs.
Small Business Insurance
Business insurance packages protect California enterprises against property damage, liability claims, and operational disruptions. Our agents help small businesses navigate coverage options including general liability, property protection, and specialized endorsements. We work with clients to create risk management strategies matching their specific industry needs.
Questions
What types of insurance do you offer?
We provide auto, home, renters, motorcycle, recreational vehicle, and small business insurance policies tailored to California residents' needs.
Are you a local insurance agency?
Yes, we're family-owned and operated in Monterey since 1947, with deep understanding of California's insurance requirements.
How can I get a quote?
Request instant auto or homeowners quotes online, or contact us directly at 831-372-5800 for personalized insurance consultations.
Do you offer business insurance?
Yes, we provide commercial insurance packages including general liability, property protection, and specialized coverage for California businesses.
What are your business hours?
Our office is open Monday-Friday 9:00 AM - 5:00 PM. After-hour appointments available by request.
