Smart Protection for Every Part of Your Life
Protect What Matters Most
At Smart Options Insurance Agency, we believe insurance should make life easier — not more complicated.
Our goal is simple: to help you protect what’s most important — your family, your home, your business, and your future.
With more than 20 years of experience, we combine expert advice, honest guidance, and personalized coverage that fits your lifestyle and budget.
As an independent agency, we work for you, not the insurance companies — so you always get the best value and the right protection.
Personal Insurance
Simple Coverage That Protects You and Your Family
Life happens — and the right insurance helps you stay ready for anything.
Our personal insurance options keep you, your loved ones, and your assets safe every step of the way.
Auto Insurance
Drive with confidence knowing you’re protected against accidents, damage, and liability — wherever the road takes you.
Home Insurance
Your home is your biggest investment. We make sure it’s protected from fire, theft and other unexpected losses.
Renters Insurance
Even if you don’t own your home, your belongings and peace of mind deserve protection too.
Umbrella Insurance
Add an extra layer of financial security with extended liability coverage for complete peace of mind.
Business Insurance
Protection That Lets You Focus on Growth
Every business faces risks, but smart coverage helps you move forward with confidence. From small businesses to large operations, we design protection that keeps your company strong and secure.
Business and General Liability Insurance
Essential coverage for property damage, accidents, and injury claims.
Workers
Compensation
Support your employees and protect your business when workplace injuries occur.
Contractor
Insurance
Built for builders, electricians, and tradesmen who need strong protection on every job site.
Trucking & Transportation Insurance
Add an extra layer of financial security with extended liability coverage for complete peace of mind.
Restaurant, Bakery, and Food Truck Insurance
Protect your business from kitchen fires, customer accidents, and equipment breakdowns.
Retail, Grocery, and Liquor Store Insurance
Coverage for your inventory, property, and customers — all in one smart plan.
Dental, and Medical Office Insurance
Specialized protection for service-based businesses and professionals.
Technology Company Insurance
Stay protected from cyber threats, data loss, and professional liability.
Garage Repair Shop Insurance
Garage repair shops face high financial risks simply because of the nature of the business.
Childcare Center Insurance
Parents trust child care centers with their children from the earliest days.
Building Insurance
Businesses of all types rely on office buildings for their day-to-day operations.
Gas Station Insurance
While you’re busy keeping everyone on the go, your business continues to face a variety of risks.
Professional Services Insurance
When your business handles services that are very personal, it’s important
Commercial
Bonds
Businesses and other parties sometimes need the guarantees that commercial bonds provide.
Landscapers
Insurance
As a landscaper, you probably spend most of your day out with clients.
Liquor Liability
Insurance
As a business that serves alcohol, liquor liability insurance is essential.
Why Choose
Smart Options Insurance Agency
We Work for You
We’re independent, so we compare top-rated insurance providers to find the right coverage at the best price.
Experience That Delivers
For over two decades, we’ve helped families and businesses across Arizona and beyond protect what matters most.
Personalized Support
We take the time to understand your goals and explain your options clearly — no confusing terms and no pressure.
Licensed Across Multiple States
Serving clients in Arizona, California, Indiana, Michigan,
Oregon, and Wisconsin
Start Your Coverage Today
Insurance should give you confidence, not confusion.
Our friendly team is here to help you find the right protection
— quickly, clearly, and stress-free.