Published June 18, 2026 · 40 years in trucking & the trades
What we cover in Smith Center
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Smith Center choose a local agent
When you're in Smith Center, Smith County, you get a real person who knows KS — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Smith Center: the local picture
Living here in Smith Center, we know our property faces unique challenges, and the right insurance is crucial. With our economy rooted in agriculture and manufacturing, businesses like LandMark Implement, Kirchhoff Grain Co, Applequist Manufacturing, Inc., and LTM Manufacturing need robust commercial policies. This means not just property coverage for their facilities, but also general liability to cover operations, and workers' compensation for their employees, whether they're on the shop floor or out in the fields. Business interruption coverage is also key, especially for our manufacturers, to protect against downtime from unforeseen events.
Our homes, with a median value of $90,400, are particularly exposed to Kansas's severe weather. The past year alone saw 19 hail reports and 28 severe weather warnings, making comprehensive homeowners' insurance with strong wind and hail coverage non-negotiable. Many locals opt for lower wind/hail deductibles to minimize out-of-pocket costs when the inevitable storm rolls through. Beyond the skies, our geography along Beaver Creek and its tributaries means flood risk is a real concern. While standard homeowners' policies don't cover floods, it's wise for anyone in or near the floodplains to consider a separate flood insurance policy to protect their biggest investment.
Finally, with US Highway 36 and K-8 running through town, and our reliance on vehicles for both personal and business use, proper auto insurance is paramount. For our local businesses, commercial auto policies are essential to cover their fleets, whether it's LandMark Implement's service trucks or Kirchhoff Grain Co's transport vehicles. Even for personal vehicles, the risk of weather-related incidents or accidents on our busy highways means good comprehensive and collision coverage, along with adequate liability, is just common sense here in Smith Center.
Population: 1571 (2020)
Housing in Smith Center
The median property value in Smith Center, KS is $90,400. (Source: https://datausa.io/profile/geo/smith-center-ks/)
Major local employers & who's hiring
- Smith County Memorial Hospital — Healthcare Actively hiring
- LandMark Implement — Agricultural Equipment Sales & Service Actively hiring
- USD 237 Smith Center — Education
- Kirchhoff Grain Co — Agriculture (Grain Elevator)
- City of Smith Center — Government/Public Administration
- Central Plains Co-Op Mill — food
Local Smith Center businesses
A few businesses that call Smith Center home — independent of our agency.
- Trinity Ag, LLC — ag-commercial
- Applequist Manufacturing — ag-commercial
- LandMark Implement — ag-commercial
- Jones Machinery Inc — ag-commercial
- Tractor Supply Co. — ag-commercial
- Arlwin Fiberglass, Inc. — ag-commercial
- AG Care by Air Inc — ag-commercial
- Alta Convenience — c-store
- Casey's — c-store
- Guaranty State Bank & Trust Co. — financial
- Smith County Bank — financial
- Dale's Service Center — main-street
Local landmarks & geography
- Local Floodplains (associated with Beaver Creek and other unnamed tributaries) — Risk of flood damage to properties within designated floodplains, impacting flood insurance premiums and availability.
- Downtown Smith Center (including First National Bank Building) — Historic buildings may have specific construction and renovation requirements, affecting insurance costs. The First National Bank Building is on the National Register of Historic Places.
- US Highway 36 — Proximity to a major highway can increase traffic noise, potential for accidents, and may influence property values and certain types of commercial insurance.
- Kansas State Highway 8 (K-8) — Proximity to a major highway can increase traffic noise, potential for accidents, and may influence property values and certain types of commercial insurance.
- Applequist Manufacturing, Inc. — Presence of industrial operations can affect surrounding property values, potential for environmental risks, and specific commercial insurance needs for the plant itself.
- LTM Manufacturing — Presence of industrial operations can affect surrounding property values, potential for environmental risks, and specific commercial insurance needs for the plant itself.
Local facts that shape your coverage
- As of the 2020 census, the population of Smith Center, Kansas was 1,571. — Demographic information.
- Smith Center serves as the county seat of Smith County, Kansas. — Geographic and administrative fact.
- The Smith Center, KS area has experienced 19 reports of on-the-ground hail by trained spotters and 28 severe weather warnings in the past 12 months. — Specific severe weather hazard data.
- Smith County, which includes Smith Center, has a rural economy with opportunities in agriculture, manufacturing, and various professional careers. — Economic context.
- As of the 2020 census, the population of Smith Center, Kansas was 1,571. — Population data helps insurance providers assess community size, density, and potential claims frequency for various lines of business.
- Smith Center, KS has had 19 reports of on-the-ground hail by trained spotters and 28 severe weather warnings in the past 12 months. — High frequency of hail and severe weather warnings indicates a significant risk for property damage, directly impacting homeowner's and commercial property insurance needs and potential claims.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · choosesmithcounty.com · scmhks.org · indeed.com · usd237.org. Estimates — verify current details with the original source.
Insurance requirements in Kansas
Kansas is a no-fault state: along with liability, drivers must carry Personal Injury Protection (PIP), which pays your own medical costs regardless of who caused the crash. Kansas also sits in the heart of Tornado Alley, so hail and wind coverage is a real consideration for homes, farms, and businesses. We compare Kansas-admitted carriers to match those requirements to the right price. Verify current state minimums with the Kansas Insurance Department.
Smith Center, KS insurance — common questions
How much does insurance cost in Smith Center, KS?
Rates in Smith Center and Smith County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Smith Center?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Smith Center and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Smith Center today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.