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Insurance agencies · Illinois
Insurance Agencies in Smithton, IL
Local agencies in Smithton for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Smithton
Smithton has 3,680 residents in 1,432 households. We list 1 insurance agencies in Smithton. Here is what the local numbers say about the cover people here need.
Smithton at a glance
- 1insurance agencies listed
- 6.4%of households rentRenters insurance
- $256,300median home valueHome insurance
- 2000median year homes were builtRebuild cost calculator
- 1.3%of households have no carAuto insurance
- 5.3%of homes are mobile homesMobile home insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.
Natural hazard risk in St. Clair County
FEMA rates the overall natural hazard risk in St. Clair County, where most Smithton agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:
- Hail
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Illinois - Tornado
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Illinois - Inland flooding
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance - Lightning
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Illinois - Ice storm
Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.
Car insurance rules in Illinois
Illinois requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $20,000 of property damage liability, often written 25/50/20. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident).
These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.
Auto insurance in IllinoisHow much liability cover do you need?
Source: idoi.illinois.gov. Checked 2026-10-24.
Questions
Insurance agencies in Smithton
How do I find an insurance agency in Smithton?
Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.
Do I need flood insurance in Smithton?
FEMA's National Risk Index rates inland flooding risk in St. Clair County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Do I need renters insurance in Smithton?
6.4% of households in Smithton rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.
How do I choose an agency?
Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.
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