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Personal Insurance to Protect What Matters in Humboldt County

Your home, your car, and your belongings are more than just things—they’re a part of your life. At Stan Smith Insurance Services, we’re dedicated to helping our neighbors protect what matters most. While we are proudly rooted in Humboldt County, our friendly team is here to guide you through a wide range of personal insurance options across California and Oregon, helping you find the perfect coverage to give you peace of mind.

Homeowners Insurance
Your home is one of your biggest investments. Our homeowners policies are designed to protect your house and personal belongings from a variety of risks, giving you peace of mind and financial security.
Renters Insurance
Renting doesn’t mean you’re not at risk. A renters insurance policy protects your personal belongings from theft or damage, and also provides liability coverage in case someone is injured in your rented space.
Personal Auto Insurance
Whether you’re commuting to work or running errands around town, we can help you find the right auto insurance policy. We offer options for liability, collision, and comprehensive coverage to keep you and your vehicle safe on the road.
Personal Umbrella
Think of a personal umbrella policy as a financial safety net. It provides an extra layer of liability protection that kicks in when your standard home or auto policies are exhausted, giving you security in the face of a large claim or lawsuit.
Dwelling Fire Insurance

If you own a rental property or a seasonal home, a dwelling fire policy provides specialized coverage for the physical building itself. We’ll help you find a plan that protects your investment, even when you’re not there.

Earthquake & Flood Insurance
While standard homeowners policies don’t cover them, we know these are real risks for our coastal community. We can help you secure the additional, specialized coverage you need to protect your home and belongings from these specific events.
RV, Boats, & Recreational
Your recreational vehicles are a source of fun, and they deserve protection. We can help you find specialized coverage for your RV, boat, motorcycle, or ATV so you can focus on your next adventure.
Short Term Rentals
If you rent out a portion of your home or a separate property to short-term guests (like through Airbnb or VRBO), your standard homeowners policy may not provide the necessary coverage. We can help you secure specialized short-term rental insurance that protects your property, its contents, and your liability while paying guests are staying there. It’s essential coverage for peace of mind when hosting.
Individual & Family Health Insurance
Whether you’re self-employed, between jobs, or just need to find a plan for yourself and your family, we can help you find a comprehensive health insurance plan. We guide you through all available options, including plans both on and off the Covered California Marketplace, to help you understand what’s right for you.

Ready to protect your most valuable assets? Let us help you find a personal insurance plan that fits your life and your budget. Give us a call or stop by one of our local office to get a free quote.