Personal insurance that puts you first.

From your home and car to your cabin and toys, your life deserves coverage that makes sense. At Ted W. Smith Insurance Services, we build personal insurance plans around what matters most to you—with friendly, real advice and flexible options you can trust. Serving individuals and families across Rochester, MN, and throughout Minnesota, Iowa, and Wisconsin.

A black silhouette of a house on a white background.
A black and white silhouette of a car on a white background.
A black and white icon of a house with a car inside of it.
A black and white icon of a sailboat in the water.
A black and white icon of an atv on a white background.
A black and white icon of a person sitting at a desk.
A black and white silhouette of a motorcycle on a white background.
A black paw print on a white background.
A black and white icon of a house and a key.

Questions about personal insurance? Let’s clear them up.

  • How do I know how much personal insurance I need?

    We’ll help you evaluate your risks, assets, and goals to recommend just the right amount of protection—never more than you need, and never less than you should have.

  • Is local insurance really different from buying online?

    Yes—online platforms sell policies. We build relationships. You’ll always talk to a real person who knows your name and what matters to you.

  • What should I do if my life situation changes?

    Give us a call. Whether you're buying a home, adding a driver, or picking up a new toy, we’ll adjust your coverage so you're never left exposed.

  • Do I have to come into the office to get started?

    Not at all. We can start the conversation by phone, text, or email—whatever’s easiest for you.

  • What if I’m not sure where to start?

    That’s exactly why we’re here. We’ll walk you through it, explain your options in plain language, and help you feel confident about your choices.

  • Can I switch insurance providers if I already have a policy?

    Yes—and we’ll help you do it without any gaps in your coverage. We’ll even review what you currently have to see if you’re missing anything important.