Virgil E Smith Insurance Services
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Virgil E Smith Insurance Services
Virgil Smith Insurance Services, Inc.'s mission is to provide the highest level of customer service to our clients. Our best is to build relationships with our clients so we can provide quality insurance coverage at the lowest price with the best service. We want our clients to leave our office knowing they are protected and taken care of by an agency that genuinely cares.

Virgil Smith Insurance Services, Inc. is a local, independent insurance agency serving communities all over Texas. We specialize in Coastal Insurance and making sure our client's greatest assets are well protected. We are located in the heart of Clear Lake and are proud to serve the greater Bay Area for over 30 years!
Services
Our agency is committed to providing you superior service. We know that your insurance dollars can be spent in many ways. We want to EARN your business by regularly reviewing your coverage, and helping you receive the best value for your insurance dollar. When you call, you will receive the personal attention that you want.
At our agency, we'll personally review your coverage and help you get the most amount of coverage for the least amount of money! Covers your liability for injuries you cause to other people and property damage for which you are at fault. The first number is the limit (in thousands of dollars) that your policy will pay for bodily injury per person in the event of an accident.
The single biggest investment you may make in life is your home. Are you sure you've protected your investment? Let us review your homeowner's policy with you and make sure there are no gaps in coverage. You may want to review this coverage with us, to make sure you are adequately protected in this area.
Liability coverage generally protects you from claims that arise out of harm your business (including employees) cause another. Do you or your employees operate personal vehicles at anytime in the course of doing business? Ask us to review what you currently have and we can work with you to make sure you are adequately protected!
Commercial Marinas, Ocean Cargo, Transit Ships, Oil Tankers, Watercraft Rentals and much more!. We can shop the best possible companies available to make sure our clients get the proper coverage at the best price. No matter what size boat you are operating, you will want to make sure you have adequate coverage for not only any physical damage that may occur but also any liability coverage for any third party that may be involved in an accident.
Reviews (10)
Debbie Fowler
Debbie Fowler
Jan 18, 2022
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Lorraine is awesome!! She saved us $2,400 on our home owner’s policy. She’s very professional and always helpful! I’ve used this insurance company for 5 years and their services remain the same. I definitely recommend changing insurance companies if you haven’t already.
Sven Neer
Sven Neer
Jan 18, 2022
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I've been a client of Virgil's, then Jenny since 2001, across a number of policy types. Cannot say enough things about their service or their staff.
Kay Murphy
Kay Murphy
Jan 17, 2022
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I have had the best experience with Virgil E Smith Insurance Services! Everyone is so helpful and ready to answer any questions I have or tend to all of my insurance needs. I recommend them highly!
Carol Moor
Carol Moor
Jan 16, 2022
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Positive: Professionalism, Quality, Responsiveness, Value
Lorraine has been great in helping me find homeowners insurance as well as auto insurance at reasonable rates. I highly recommend Virgil E. Smith Insurance Services, Inc. Great customer service!
Terra - Clean Wing Detail Inc
Terra - Clean Wing Detail Inc
Jan 16, 2022
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Positive: Professionalism, Quality, Responsiveness, Value
I have been with Virgil Smith for several years now. Jenny and her colleagues have always been helpful, responsive and exceptional to work with.
Traci Powell
Traci Powell
Jan 14, 2022
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Lorraine is a rock star! Every question or concern is answered immediately with a solution. She is the perfect example of organized and caring!
Christopher Land
Christopher Land
Dec 30, 2020
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Positive: Professionalism, Responsiveness, Value
Great customer service and saving money are not two things that normally go together. However, the team at Virgil E. Smith Insurance Services fit that exact mold. Jenny goes out of her way to ensure that I have the right amount of coverage that fits my budget. Highly recommend!
Tara Ritchie
Tara Ritchie
Oct 27, 2020
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Positive: Professionalism, Responsiveness
Jenny is the broker we work with, and she is always willing to answer any and all questions in a very professional manner. She helped us find the best price for our home insurance, and we are so thankful for that!
Janet Clark-Sela
Janet Clark-Sela
Oct 01, 2020
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Jenny's attention to detail is amazing and she is always there to answer questions! We have all our policies with Virgil Smith Insurance including home, auto, business and all properties we manage. I can count on her to shop policies and make sure we are covered properly.
Abbie Ashabranner
Abbie Ashabranner
Jun 15, 2020
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We have been working with Jenny and her staff for a few years now and haven't looked back. We switched over from a big name insurance company and have zero regrets doing so. They are extremely responsive and take the time out to explain any questions we have. You can tell they pride themselves on customer service. We recently sold our house and moved into a new house and Jenny made the transition flawless.