Business Details
50+ Years
experience
Emergency
services
Your Trusted Michigan Insurance Partner Since 1917
Founded in 1917, E.W. Smith Insurance Agency has served our community for over a century with a commitment to personalized service and comprehensive coverage. Our three Michigan locations in Wyandotte, Flat Rock, and Shelby Township ensure every client works with a dedicated agent who prioritizes their unique needs. Specializing in personal, business, and life insurance, we leverage partnerships with industry leaders like Auto-Owners, AAA, and The Hartford to deliver tailored solutions that balance optimal coverage with cost efficiency.Our teams deep local knowledge and focus on long-term relationships have made us a trusted advisor for generations of families and businesses. With a century of experience, we remain dedicated to protecting our community while adapting to evolving insurance landscapes.
Services
Auto Insurance
Homeowners Insurance
Life Insurance
Business Insurance
Motorcycle Insurance
Boat Insurance
Mortgage Protection
Recreational Vehicle Insurance
Umbrella Insurance
Details
- Year established: 1917
Highlights and features
- We offer 100+ years of local insurance expertise and community partnerships
- Our dedicated agents provide personalized coverage comparisons from top carriers
- We specialize in cost-effective solutions for personal, business, and life insurance
- Our team maintains 24/7 availability for emergency insurance claims assistance
- We guarantee transparent pricing with no hidden fees or policy surprises
What people say
Top notch service
Lowest prices around
Quick to respond
Professionalism and quality
Budget-friendly coverage
Services
Auto Insurance
Our auto insurance specialists compare multiple carriers to find policies that protect against property damage, liability, and medical costs. We offer collision, comprehensive, and uninsured motorist coverage options tailored to Michigan drivers' needs while ensuring competitive pricing and personalized service.
Homeowners Insurance
We provide comprehensive homeowners insurance covering property damage, liability, and additional living expenses. Our policies protect against common risks like fire, theft, and weather damage while offering customizable endorsements for valuable items and specialized coverage needs in Michigan communities.
Life Insurance
Our life insurance solutions include term and whole life policies that provide death benefits for loved ones. We help clients choose appropriate coverage amounts and terms to replace income, cover debts, or fund future needs while offering cash value options for long-term financial planning.
Business Insurance
We offer tailored business insurance packages including liability, property, and workers' compensation coverage. Our commercial policies protect Michigan businesses from operational risks, property damage, and legal liabilities while providing business interruption insurance to maintain financial stability during unexpected closures.
Umbrella Insurance
Our umbrella insurance policies provide additional liability coverage beyond standard auto and homeowners policies. This extra protection covers catastrophic claims or lawsuits exceeding primary policy limits, safeguarding personal and business assets against major financial losses.
People
John Bobrowski
Insurance Agent
With decades of experience, John Bobrowski specializes in bundling auto, home, and life insurance policies to maximize savings while maintaining comprehensive coverage for Michigan residents.
Nick Kinney
Insurance Agent
Nick Kinney focuses on personalized insurance solutions, helping clients save money through strategic policy comparisons and coverage optimizations across multiple insurance product lines.
Kathy Mosher
Insurance Agent
Kathy Mosher has served clients for over 25 years, specializing in proactive insurance planning and customer service excellence with a focus on long-term client relationships.
Questions
What types of insurance do you offer?
We provide auto, home, life, business, motorcycle, boat, RV, umbrella, and mortgage protection insurance policies tailored to Michigan residents' needs.
How can I get a competitive insurance quote?
Contact our Wyandotte, Flat Rock, or Shelby Township offices to speak with a dedicated agent who will compare multiple carriers to find your most cost-effective coverage options.
Do you offer 24/7 claims assistance?
While our offices operate during standard business hours, we provide emergency contact information for urgent claims situations requiring immediate attention.
Can I bundle multiple insurance policies?
Yes, we specialize in bundling auto, home, and business insurance policies to maximize savings while maintaining comprehensive protection for Michigan residents.
How do you help clients save on insurance costs?
Our agents compare top-rated carriers, apply available discounts, and optimize coverage structures to ensure competitive pricing without compromising protection quality.
What areas do you serve?
We primarily serve Downriver Michigan communities including Wyandotte, Flat Rock, and Shelby Township from our three local office locations.
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Reviews (5)
Donna Molishas
Sep 17, 2021
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We have belonged to E.W.Smith Agency
for over 43 years. They are always willing to help and very reliable to return calls. Our Agent is Don at the Gibraltar office. They have always made an effort to give us the best insurance rates.
Also, when there has been an accident with one of our vehicles, the first question is, is everyone alright. Highly recommended.
for over 43 years. They are always willing to help and very reliable to return calls. Our Agent is Don at the Gibraltar office. They have always made an effort to give us the best insurance rates.
Also, when there has been an accident with one of our vehicles, the first question is, is everyone alright. Highly recommended.
Suzanne Rauch
Dec 31, 2020
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Always great service . Mike Mace goes above and beyond at the Flat Rock office . The ladies in the office are wonderful
Derek Nickels
Oct 14, 2020
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EW provides fairly priced insurance, I was with them for years, get a quote and see is all I can say, nice representatives, professional and easy to make payments!
Rose Birchmeier
Aug 22, 2020
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Very happy. Our agent, Mike Mace, does an amazing job at finding the best rates and with communication. His knowledge and work ethic are much appreciated. Highly recommended.
Mike G.
Jan 03, 2018
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Was a loyal customer for over 10 years. I was dealing with an agent in Flat Rock that i didn't care for when our agent retired and he took over our insurance needs. After several years with him, we switched to someone local where we live now. I called today 1/2/18 the wyandotte office and i wanted a quote. The lady said she could give me the quote, but it would go back to our previous agent to handle. I said i didn't like him. She said its their policy to have returning customers or agents that handled your insurance prior to leaving, to give that agent your business again. I wanted
