Gene Smith Insurance | Auto & Home Coverage Zephyrhills FL

About Us

Founded in 1978, Gene Smith Insurance Agency is a family‑owned, independent insurance broker serving Zephyrhills and the surrounding communities. With more than four decades of experience, the agency’s mission is to provide personalized protection that fits each client’s unique lifestyle and budget. Their staff is committed to clear communication, rapid response, and helping customers understand every detail of their policies.

📋 Insurance Services Offered

The agency acts as a one‑stop shop for both personal and commercial coverage. Below is a quick guide to each product line:

• Auto Insurance – Liability, collision, comprehensive, SR‑22, and high‑risk options.
• Homeowners Insurance – Protection for the structure, personal belongings, and liability.
• Renters Insurance – Affordable coverage for tenants’ personal property and liability.
• Commercial Auto & Property – Fleet coverage, business property, and equipment protection.
• General Liability – Covers third‑party bodily injury and property damage claims.
• Cyber Liability – Safeguards businesses against data breaches and cyber attacks.
• Flood Insurance – Specialized coverage for flood‑prone properties.
• ATV, Boat & Motorcycle Insurance – Tailored policies for recreational vehicles.
• DUI & SR‑22 Insurance – Required coverage for high‑risk drivers.
• Non‑Owners Policy – Liability protection for occasional drivers.

💡 Why Choose Us

Choosing the right insurance partner matters. Gene Smith Insurance Agency stands out because:

• Family‑Owned Legacy – Operating since 1978, the agency has deep roots in the community.
• Independent Representation – Access to multiple top carriers allows customized quotes and the best price‑performance mix.
• Multi‑Policy Discounts – Bundling auto, home, and commercial lines can yield significant savings.
• Personal Agent Model – Each client receives a dedicated agent who knows the policy inside‑out.
• Online Convenience – Free online quotes, digital policy management, and virtual appointments are available.

🏢 Our Carriers

Gene Smith Insurance Agency partners with a range of reputable insurance carriers to ensure competitive rates and comprehensive coverage options. For a complete list of carrier partners, please contact the office directly.

📍 Service Area

The agency is licensed to operate in Florida and primarily serves:

• Zephyrhills, FL
• Dade City, FL

⚠️ Service area may extend to nearby towns; please confirm by calling.

🖥️ Getting a Quote

Obtaining a free, no‑obligation quote is simple:

1. Visit the official website and click “Get a Quote”.
2. Fill out the short online form with basic personal and vehicle/property details.
3. Call the office at 813‑780‑8300 to speak directly with an agent.
4. Schedule an in‑person or virtual appointment for a deeper policy review.

🛠️ Claims Support

When a loss occurs, the agency’s claims team assists you from start to finish. They will:

• Help you complete the claim paperwork.
• Coordinate directly with the carrier’s adjuster.
• Provide updates throughout the settlement process.
• Offer advice on temporary coverage or repairs while the claim is processed.

👥 Meet Our Team (Optional)

While specific agent names are not publicly listed, the agency employs experienced, licensed professionals who hold certifications such as CPCU and CLU. Their expertise spans personal, commercial, and specialty lines, ensuring you receive knowledgeable guidance.

🗣️ Client Testimonials

Customers frequently praise the agency for its friendly staff, quick response times, and ability to find affordable coverage. One reviewer noted, “The team took the time to explain every option and saved me money by bundling my auto and home policies.”

❓ FAQs

What documents do I need for my first meeting?

Bring a driver’s license, vehicle registration, recent insurance card, and any recent claim information. For home coverage, have your mortgage statement and a home inventory ready.

Do you offer 24/7 claims assistance?

While the office hours are 9 am‑5 pm, Monday‑Friday, the agency’s claims team works with carriers around the clock to ensure urgent claims are filed promptly.

Can I manage my policy online?

Yes. After your policy is issued, you’ll receive login credentials for a secure portal where you can view documents, make payments, and request changes.

Are there discounts for multiple policies?

Absolutely. Bundling auto, home, and other lines typically results in multi‑policy discounts that lower overall premiums.

Is Gene Smith Insurance Agency licensed in other states?

The agency is licensed in Florida. For coverage in other states, they can refer you to trusted partner agencies.

📞 Contact & Location

Address: 36950 State Rd 54 W, Zephyrhills, FL 33541
Phone: 813‑780‑8300
Hours: Monday‑Friday 9:00 am – 5:00 pm (closed weekends)
License Number: Contact the agency directly to confirm the Florida insurance license number.

Ready to protect what matters most? Visit our website or call today for a free, personalized quote.

Editorial review: June 16, 2026 — Sources: genesmithinsurance.com, yelp.com, facebook.com, search.sunbiz.org, yellowpages.com. If you notice any inaccurate data, please report it.