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0.75
2026-01-27
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About Us
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About Us - Raschel Barlow
Auto, Home, Life, and Commercial Insurance
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About Us - Russell Jenkins
Auto, Home, and Commercial Insurance
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About Us - Hector Merida
Customer Service. Auto and Home.
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About Us - Nicole Washington
Customer Service. Marketing.
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About Us
Ramona Smart, Owner/Agent
https://smart-insuranceagency.com/home
daily
1.0
2019-12-09
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Home
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Home
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Home
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Home - Our Agency Mission
Our Agency Our priority is preparing you for the worst. We are here for not only the incidents that could ruin your day, but the ones that could potentially ruin your life. Our recommendations and policies are tailored not only to meet your goals, but to ultimately protect your livelihood in a disaster.
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Home - Personal Insurance
Personal Insurance Our personal insurance advisers will build a solid plan of protection for your family’s assets. Not only will we protect your assets, we can help to build them as well! Are you confident in your protection? Sit down with one of our professionals to review your coverage.
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Home - Business Insurance & Workers Compensation
Business Insurance & Workers Compensation Our commercial team helps you protect yourself and your livelihood with our business and commercial insurance policies. We not only procure insurance, we advise you on the risk and exposures associated with your industry. Leave the risk management part of your business to us!
https://smart-insuranceagency.com/insurance-blog
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0.75
2026-01-27
https://smart-insuranceagency.com/insurance-blog/2021/11/19/protect-what-you-love-
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0.5
2021-11-19
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Smart Insurance Corner - Protect what you love ♥ - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
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Smart Insurance Corner - Protect what you love ♥ - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
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Smart Insurance Corner - Protect what you love ♥ - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
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Smart Insurance Corner - Protect what you love ♥ - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
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Smart Insurance Corner - Protect what you love ♥ - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
https://smart-insuranceagency.com/insurance-blog/2021/11/19/what-is-left-behind
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0.5
2021-11-19
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Smart Insurance Corner - What is Left Behind - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
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Smart Insurance Corner - What is Left Behind - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
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Smart Insurance Corner - What is Left Behind - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
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Smart Insurance Corner - What is Left Behind - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
https://smart-insuranceagency.com/insurance-blog/2021/11/19/life-insurance-awareness
monthly
0.5
2021-11-19
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Smart Insurance Corner - Life Insurance AWARENESS - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
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Smart Insurance Corner - Life Insurance AWARENESS - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
https://smart-insuranceagency.com/insurance-blog/2021/11/19/matriarch
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0.5
2021-11-19
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Smart Insurance Corner - Matriarch - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
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Smart Insurance Corner - Matriarch - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
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Smart Insurance Corner - Matriarch - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
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Smart Insurance Corner - Matriarch - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
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Smart Insurance Corner - Matriarch - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
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Smart Insurance Corner - Matriarch - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
https://smart-insuranceagency.com/insurance-blog/2021/6/7/5-tips-to-keep-your-child-safe-on-hot-days
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0.5
2021-06-11
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Smart Insurance Corner - 5 Tips To Keep Your Child Safe On Hot Days - Tips and facts about children and hot cars
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Smart Insurance Corner - 5 Tips To Keep Your Child Safe On Hot Days - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
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Smart Insurance Corner - 5 Tips To Keep Your Child Safe On Hot Days - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
https://smart-insuranceagency.com/insurance-blog/2020/11/4/a-quick-guide-to-understanding-landlord-insurance
monthly
0.5
2020-11-17
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Smart Insurance Corner - A quick guide to understand Landlord Insurance - When considering renting property you own, always start the conversation with your insurance agent first.
There are several factors that play into the right type of coverage you will need to protect your real estate investment.
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Smart Insurance Corner - A quick guide to understand Landlord Insurance - Landlord Property (structure)
You want to ensure that the property coverage is adequate. In the event you have a total loss due to a covered peril, you want to know that your investment is protected and will be rebuilt at the proper construction rates. Your insurance agent can help evaluate the current cost of construction and propose some viable options.
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Smart Insurance Corner - A quick guide to understand Landlord Insurance - Landlord Liability
Know your net worth going into becoming a landlord to determine adequate liability coverage. For example, if your liability coverage is $1M, but your net worth is $3M, you don't want to be left vulnerable and expose personal assets if the liability coverage is exhausted on a claim against you. This portion of coverage will help cover legal fees or another's medical bills if someone is injured on your rental property and it is determined that you are responsible. Talk your insurance agent to determine the proper liability coverage and the options to protect your assets. In some cases, obtaining a separate liability policy may be necessary.
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Smart Insurance Corner - A quick guide to understand Landlord Insurance - Loss of Rents/Income
For many reasons, there may be a period of time that you are unable to rent out your property. This could vary from mandatory repairs/renovations to mold remediation. This feature provides temporary rental reimbursement for rents lost during the time the property is uninhabitable. Be sure to review the coverage and period of time on this category to ensure that your rental coverage aligns with your gross rents to reduce loss of income from your rental property.
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Smart Insurance Corner - A quick guide to understand Landlord Insurance - Tenant's personal property
The tenant should carry their own personal property insurance (aka, Renter's Insurance) to cover their personal belongings and their own liability coverage.
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Smart Insurance Corner - A quick guide to understand Landlord Insurance
How much coverage do I need?
https://smart-insuranceagency.com/insurance-blog/2020/10/27/why-umbrella-insurance-is-important-amp-who-needs-it
monthly
0.5
2020-11-30
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Smart Insurance Corner - Why Umbrella Insurance Is Important & Who Needs It - You Don’t Have To Be A Millionaire To Be Sued Like One
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Smart Insurance Corner - Why Umbrella Insurance Is Important & Who Needs It - According to Jury Verdict Research, 13% of personal injury case settlements are $1 Million or more.
Suddenly, having an Umbrella Insurance policy makes sense.
https://smart-insuranceagency.com/insurance-blog/2020/9/10/earthquake-preparedness
monthly
0.5
2020-11-04
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Smart Insurance Corner - Earthquake Preparedness - Shake, Rattle & Roll
Are you ready?
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Smart Insurance Corner - Earthquake Preparedness
https://smart-insuranceagency.com/insurance-blog/2020/9/10/wildfires-in-california
monthly
0.5
2020-11-04
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Smart Insurance Corner - Wildfires in California - Wildfire Season
Is there such a thing?
https://smart-insuranceagency.com/insurance-blog/2020/5/11/smart-newsletter-for-real-estate-professionals
monthly
0.5
2026-01-13
https://smart-insuranceagency.com/insurance-blog/2019/10/16/what-is-a-fire-line
monthly
0.5
2019-10-16
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Smart Insurance Corner - fire lines
https://smart-insuranceagency.com/insurance-blog/2019/10/10/what-you-need-to-know-about-fire-lines
monthly
0.5
2020-07-23
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Smart Insurance Corner - What Real Estate Professionals Need to Know About Fire Lines
https://smart-insuranceagency.com/insurance-blog/category/Smart+Newsletter
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https://smart-insuranceagency.com/insurance-blog/category/Insurance+Risks
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https://smart-insuranceagency.com/insurance-blog/category/Fire+line
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https://smart-insuranceagency.com/insurance-blog/category/Real+estate
monthly
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https://smart-insuranceagency.com/insurance-blog/tag/insurance
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0.5
https://smart-insuranceagency.com/insurance-blog/tag/evacuation
monthly
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https://smart-insuranceagency.com/insurance-blog/tag/tenants
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https://smart-insuranceagency.com/insurance-blog/tag/landlord
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https://smart-insuranceagency.com/insurance-blog/tag/prepared
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https://smart-insuranceagency.com/insurance-blog/tag/Fire+Lines
monthly
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https://smart-insuranceagency.com/insurance-blog/tag/Newsletters
monthly
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https://smart-insuranceagency.com/insurance-blog/tag/emergency
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https://smart-insuranceagency.com/insurance-blog/tag/investment
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https://smart-insuranceagency.com/insurance-blog/tag/California
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https://smart-insuranceagency.com/insurance-blog/tag/liablity
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https://smart-insuranceagency.com/insurance-blog/tag/wildfires
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https://smart-insuranceagency.com/insurance-blog/tag/Insurance
monthly
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https://smart-insuranceagency.com/insurance-blog/tag/Real+Estate
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https://smart-insuranceagency.com/insurance-blog/tag/Hazard+Score
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https://smart-insuranceagency.com/insurance-blog/tag/california
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https://smart-insuranceagency.com/insurance-blog/tag/fire+lines
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0.5
https://smart-insuranceagency.com/blog
daily
0.75
2026-02-26
https://smart-insuranceagency.com/blog/2026/2/26/navigating-homeowners-insurance-challenges-in-california
monthly
0.5
2026-02-26
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RE Newsletters - Navigating Homeowners Insurance Challenges in California - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
https://smart-insuranceagency.com/blog/2026/2/26/the-impact-of-insurance-costs-on-real-estate-dealsnbsp
monthly
0.5
2026-02-26
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RE Newsletters - The Impact of Insurance Costs on Real Estate Deals - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
https://smart-insuranceagency.com/blog/2026/2/26/how-we-support-our-real-estate-partners
monthly
0.5
2026-02-26
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RE Newsletters - How We Support Our Real Estate Partners - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
https://smart-insuranceagency.com/blog/2026/1/26/who-is-actually-insured-during-the-leaseback-period
monthly
0.5
2026-02-26
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RE Newsletters - Who Is Actually Insured During the Leaseback Period - Make it stand out
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https://smart-insuranceagency.com/blog/2026/1/26/bfgycxbhtbezj2mod240kitvyv6ks3
monthly
0.5
2026-01-28
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RE Newsletters - Homeowners vs Landlord Policy Mismatch
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RE Newsletters - Homeowners vs Landlord Policy Mismatch - Make it stand out
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https://smart-insuranceagency.com/blog/2026/1/26/sellers-renters-insurance-is-often-missing
monthly
0.5
2026-01-28
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RE Newsletters - Seller’s Renters Insurance Is Often Missing - Make it stand out
Whatever it is, the way you tell your story online can make all the difference.
https://smart-insuranceagency.com/blog/category/Home+Insurance
monthly
0.5
https://smart-insuranceagency.com/blog/category/Realestate+Transaction
monthly
0.5
https://smart-insuranceagency.com/blog/category/Landlord+Insurance
monthly
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https://smart-insuranceagency.com/blog/category/Renters+Insurance
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0.5
https://smart-insuranceagency.com/blog/category/Personal+Lines+Insurance
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https://smart-insuranceagency.com/blog/tag/Home+Insurance
monthly
0.5
https://smart-insuranceagency.com/blog/tag/Realestate+Transaction
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0.5
https://smart-insuranceagency.com/blog/tag/Renters+Insurance
monthly
0.5
https://smart-insuranceagency.com/blog/tag/Landlord+Insurance
monthly
0.5
https://smart-insuranceagency.com/blog/tag/Leaseback
monthly
0.5
https://smart-insuranceagency.com/amenities
daily
0.75
2019-08-21
https://smart-insuranceagency.com/contact
daily
0.75
2019-09-05
https://smart-insuranceagency.com/free-resources
daily
0.75
2026-01-27
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Resources
Smart Insurance Agency believes that an informed client makes calm and confident decisions. We strive to curate useful and helpful content to share with the community. Through years of experience, we have helped many customers and people in the community prepare for the unexpected, be educated on insurance-related topics and answer questions regarding insurance, safety, preparedness and awareness. At Smart Insurance Agency, we are more than just your agent; we are confidants, advisers and friends.
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Resources - Referrals
Who do you know that deserves exceptional customer care? At Smart Insurance Agency, your friends are our friends and they deserve the best. Refer friends and family today and enjoy the Smart perks! Help My Friend
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Resources - Smart Newsletter
Read All About It Real Estate Newsletters Archived Newsletters
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Resources - Insurance Blog
We believe that being well-informed about insurance options makes for calm and confident decisions. Our blog helps bring that education to the public about the insurance world. Go to The Insurance Corner
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Resources - Life Insurance
Wealth Management Checklist
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Resources - Home Insurance
6 things to know Service Line Info Equipment Breakdown Homeowners Safety Checklist Home Inventory Checklist California Fair Plan Higher Limits Why Umbrella Insurance Matters Gaps After The Real Estate Transaction Builder’s Risk Coverage Optional Coverages to Consider
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Resources - Earthquake
Emergency Plan Guide Emergency Evacuation List
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Resources - Growth & Development
5 Keystone Habits
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Resources - For Business Owners
Cyber Liability Employment Practices Liability Insurance (EPLI) Tips to secure remote workforce
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Resources - Auto Insurance
How to submit photos required
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Auto Insurance
Don’t let a bad day turn into a bad week.
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What people say about us - Jamila F.
Ramona’s been a great communicator and very thorough when laying out all my options for coverage. October 2020
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What people say about us - Kevin F.
Everything was very smooth, we understood everything. Information was given to us perfectly! July 2019
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What people say about us - Eva N.
“Ramona is the reason we chose Farmers. She provided multiple quotes, broke down the information so it was easy to understand, and is always available to make adjustments and answer questions.” July 2019
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What people say about us - Tia J.
“Thank you for taking the time to sit down and go over the policy. I feel well informed! Appreciate your customer service and willingness to answer all questions.” January 2019
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What people say about us - Christopher D.
Ms. Smart was friendly, knowledgeable, expedient and trustworthy. I would refer her to my friends, family and clients November 2018
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What people say about us - Jennifer D.
As a newly engaged couple and first time home buyers, Mona was integral to a smoothly successful insurance buying process. She was fiercely knowledgeable, incredibly patient, and readily available in navigating the condominium/townhome requirements and securing an Earthquake policy. 10/10 would recommend Mona, we are in very good hands with her as our agent. February 2021
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What people say about us - Hazel R.
HAZEL R. Miss. Ramona Smart is knowledgeable about her products and is diligent about making sure her clients get the most coverage to fit their budget. Excellent job Mrs. Smart… October 2020
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What people say about us - Luke M.
“Quick, clear, helpful. Fantastic Experience!” July 2019
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What people say about us - Tracy B.
“My experience was excellent. Ramona ensured my insurance needs were being met and she was able to answer all of my questions.” September 2018
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2019-08-21
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2019-08-09
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Home Insurance
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2019-09-04
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Life Insurance Quote
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Life Insurance Quote
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Life Insurance - Life Insurance
is love insurance
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Life Insurance - RESOURCES
Life Insurance Quote
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Life Insurance - ARTICLES
10 things you should know about life insurance - FORBES, Inc Magazine How much life insurance do I need? - NBC News
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Life Insurance Tool
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Personal Lines
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Personal Lines
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Personal Lines
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Personal Lines
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Personal Lines
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Personal Lines
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Personal Lines
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Business Lines - Real Estate
Retail strip shopping centers, mixed occupancy, offices, industrial and other commercial real estate.
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Business Lines - Professional Liability
Medical & legal practice, real estate practitioners and other service-providing individuals and companies.
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Business Lines - Restaurant
Casual and fine dining, fast food, brewpubs and other family-style dining with limited alcohol sales.
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Business Lines - Artisan Contractors
Electricians, plumbers, drywall specialists and other artisan contractors
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Business Lines - Worker’s Comp
Employee-related injuries
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Business Lines - Retail & Service
Repair shops, food stores, retail stores, printers, copiers and other retail and service businesses.
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Business Lines - Habitational
Apartment owners, Condo Associations and Homeowner Associations
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Business Lines - Manufacturing
Equipment, plastic products, publishing and commercial printing, paper products and other manufacturing specialties.
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Business Lines - Commercial Vehicle
Vehicle fleets used in select industry groups that compliment a small business.
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Business Lines - Wholesale Distribution
Beverage, office supply, hardware and other Wholesale distributors.
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Business Lines - Group Health
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Business Lines - Entertainment & Production
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Commercial Quote - Protecting Business Owners
Don’t leave yourself and your business exposed. A brief review can ensure your coverage for assets, income and employees are properly in place. Fill out the form below for a quote and one of our exceptional agents will be in touch with you.
https://smart-insuranceagency.com/commercial-quote-barlow
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Commercial Quote (Barlow) - Protecting Business Owners
Don’t leave yourself and your business exposed. A brief review can ensure your coverage for assets, income and employees are properly in place. Fill out the form below for a quote and one of our exceptional agents will be in touch with you.
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2020-06-30
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Umbrella Blog (R Barlow link)
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Umbrella Blog (R Barlow link) - According to Jury Verdict Research, 13% of personal injury case settlements are $1 Million or more.
Suddenly, having an Umbrella Insurance policy makes sense.
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2023-02-24
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Quote Request ( R Barlow)
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Schedule Appointment - Schedule Appointment
Have questions about Home, Auto, Life, Umbrella, or Business insurance? It only takes a few minutes to handle making an appointment. In preparation for making the most of our time together, you can email a copy of your declaration of your current insurance carrier: Email me here. Let’s set aside some time to talk about your insurance plan.
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