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Your home service lines include: WATER, WASTE, HEATING, CABLE AND INTERNET. You are LEGALLY RESPONSIBLE for maintaining these SERVICE LINES.

Most homeowners policies DON'T COVER service line DAMAGE. A L...

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Probate Bond - a probate bond protects the estate and beneficiaries in the event that the executor fails to live up to their duties and obligations.

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Coverage for watches, rings, and jewelry are often limited on insurance policies. Long story short: if you want to be sure your items are fully covered, you need to add them to your policy, as a "scheduled item" or "rider."

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Artisan, Handyman or Craftsman Insurance


You can quote online or by phone in minutes. We offer same-day coverage. Protect yourself or your business from bodily injury, medical costs, and damage to property.

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You’re passionate about your bike, so we made it our mission to represent a wide range of national carriers who specialize in competitive motorcycle coverage.

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Personal Insurance Services

  • Homeowners Insurance

    We provide you with an opportunity to see all homeowners rates at once from many national carriers such as Nationwide, Allstate, Travelers, Liberty Mutual, Progressive, MetLife, State Auto, Kemper, Grange, Chubb, QBE, and many more.
  • Landlord Insurance

    Cover your rental properties. We price shop for the best coverage and price.
  • Renters Insurance

    Provide coverage for personal property against fire, theft, vandalism, water damage, etc. Learn how insurance can work for you in a time of need.
  • Automobile Insurance

  • Motorcycle Insurance

    Choose coverage from Dairyland, Progressive, National General, and many more!
  • Antique Auto Insurance

    Hagerty, American Modern, Safe Co, and many more to help find the right type of coverage


3 weeks ago
Thumbs up all the way around. I am saving $75 per month since switching to Smitherwood. Oliver has also been nice to work with and I love the fact that I get to work with 1 person and not someone new every few years.
- Johnathan S
4 months ago
Smitherwood Insurance is vital for my business. I used them to get insurance for my business and Oliver was super easy to work with. I needed to provide proof of insurance to a potential new client and Oliver got my business set up ASAP! Oliver explains everything to you and is always available when I have a question or if I need to update my policy. I highly recommend using Smitherwood Insurance.
- Taylor Q
6 months ago
I had a great experience with Oliver! He explained things very well and in detail and showed a lot of patience. He helped me to make an unbiased decision and I could tell he was really looking out for my best interest. I would recommend him to anyone.
- Kyle B

Building A Solid Insurance Foundation

Smitherwood Insurance is a full-service, independent insurance agency located in Richmond, Virginia.

We provide people and businesses with peace of mind and protection by offering insurance products from several competing companies and advice about how much and what type of insurance you need. Smitherwood Insurance is your personal insurance advocate.

Contact us for a free quote today!  

We are available at:
Tel. (804) 592-0382,
E-mail: or
Web quote platform:  

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  • (804) 592-0382


Get directions
2920 West Broad St. #C26
Richmond, VA 23230
United States

Business Hours

Mon:9:00 AM – 6:30 PM
Tue:9:00 AM – 6:30 PM
Wed:9:00 AM – 6:30 PM
Thu:9:00 AM – 6:30 PM
Fri:9:00 AM – 6:30 PM
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