Beverly Bradley manages our Personal Lines Division.  Beverly has over 20 years personal lines experience.

Our Personal Lines Division provides all lines of personal insurance such as homeowners, automobile, boat, RV, umbrella, and watercraft. Whether you have a perfect driving record, several tickets and/or accidents, or an inexperienced operator, we can provide you with a competitive quote.

We will make sure you have all available credits and/or discounts applied to your insurance policy.  Insuring both your home and auto with the same company will provide you with the maximum credits and/or discounts available. By providing all pertinent information with which to quote your insurance program, we can ensure you are getting the best premium quotation and with the proper insuring company.

Call or email Beverly for additional information or for your personal quote.


Dave Mowery manages our Commercial Lines Division.  Our Commercial Lines Division can assist you with all of your commercial/business insurance needs.

Whether you need to insure a commercial building, contracting equipment, commercially used automobiles, general liability, workers compensation, or other commercial insurance coverages, we can help you.

Dave is one of three local National Flood Insurance Plan  (NFIP) Preferred agents approved to provide you with all of your needs when it comes to flood insurance.

We represent numerous top rated commercial lines companies with the desire to insure your business whether it be large or small. Large claims or lawsuits can bankrupt a business unless the appropriate, and more importantly, sufficient commercial insurance coverage is in place.

Your financial welfare is important to you and it’s important  to us also. For further information or a quotation call or email Dave.


Carroll Smith manages our Life & Health Division along with his wife June.  Carroll and June have over 75 years combined insurance experience.


The Life & Health Division represents numerous top companies who provide the following lines of insurance:

Individual & Group Major Medical

Individual & Group Dental

Individual & Group Disability Income

Medicare Supplement

Medicare Part D

Term & Permanent Life Insurance

Key Person Life Insurance


Mortgage Protection

Business Buy-Sell Funding

Long Term Care

Cancer & Critical Illness

For further information or a quotation call Carroll or June.


Carroll, I would like to say ” Thank You ” for your time and energy concerning this matter and your many years of service not only to us but your community. It was you, that many years ago, gave us your advice. It was your advice that now, later in life, has made all this possible for us. Ruth and I have always respected your wisdom and enjoyed your kindness. Good luck to you and your family.

Ron and Ruth Besig

As the owner of a large construction and services company, I must be sure that I have the proper commercial insurance and at a premium which is competitive. I am very satisfied with the commitment of service that I have received. My phone calls are returned properly, my requests for different services are always handled immediately and properly, and I am able to reach Dave early in the mornings which saves me time during the day when I need to supervise my work crew.

I cannot say enough about my relationship with Smith Insurance Services. I would not hesitate to recommend them for anyone’s insurance needs.

Janet Arch

ML&S. Cherokee, NC

We have been clients of Smith Insurance Services, Inc. for the past six years. They insure both my automobiles and homeowners with Kemper Insurance. We have received outstanding service in all our needs and highly recommend them.

Ted & Deanie Edwards

You have done a great job for us and for that I thank you.  The policies you found for us when we had the water claims issues really save our rear ends.  Again thank you for all of your help in the past and Good Luck with your business.


Our local business has been insured by Smith Insurance Services for seven years. The service we have received has been above and beyond any service we have received anywhere before. At the time of our need for claims service, the agency personnel provided prompt service and assisted us in any way they could. Their commitment to customer service is what we expected and have received and that is why we highly  recommend them for any insurance needs.

Ted Edwards