Home & Auto Insurance

Home & Auto Insurance 

Saving and Better Coverage for Combined Policies 

A lot of individuals buy insurance for reasons of convenience and of price.  Consequently, these people often end up with a hodgepodge of insurance carriers.  They open more mail, pay more bills, and communicate with more insurance agents.  They also pay could more money overall.  In all of these cases, individuals should be spared all of these things. 


Bundling your home and auto policies can save you time, effort, energy, money, and frustration.  It helps you speak with one agent for almost all, if not all, of your insurance needs and saves you money.  At Dan Smith Insurance Agency Inc., we help you coordinate an insurance program that gives you the best coverage and provides you with benefits and discounts that save you money now,as well as in the future  giving you other buying advantages.


What does this mean for you? It means that you get more for less.  Our agents develop consultative relationships with all of our clients and provide individualized attention.  When you sign up for a policy with us, you get a dedicated individual agent who gives you ongoing support, counseling and provides you with every opportunity to take charge of your insurance and to save.  

What do you get for a Policy with Dan Smith?

We give you industry-standard coverage for your basic needs and exceptional individualized coverage options for your unique needs.  This makes your home & auto policy with us completely protective and optimized for minimal cost.  Our multi-line discounts are tailored to your individual situation and provide you with the greatest savings possible.


As a policyholder you can expect an average premium savings of between 10% and 20% when you bundle your policies.  Additionally, you may be eligible for a guaranteed full-year policy term for your car, On Your Side® insurance protection, 24-hour Customer and Claim service, and more.


Rest assured that you’re in the hands of professionals who have as much of an investment in your financial security and general wellbeing as you do.  We show it in every service we provide.  No matter what you need, we are here for you and will make your policy as true a reflection of what you must have and the benefits to which you are entitled as we can.


Why Dan Smith Insurance?

With almost one hundred years of experience, our agency can take care of you like no other agency can.  We’re practiced at unifying individual needs and circumstances with the coverage that provides the most protection and is available at the lowest price.  We do this quickly and efficiently and provide friendly, effective services while we do it. 


We ‘shop’ for the best coverage on your behalf.  We’re not bound to one carrier but have extensive relationships with numerous carriers and this gives us the opportunity to develop insurance programs that the national agencies cannot.  This is just one of the many advantages of doing business with us as opposed to another agency.


We’re here for you, whether it’s online, over the phone, or in person.  Our staff is trained to take care of your every need and to make every interaction you have with us easy and satisfying.  We’ll get to know you like you’ll get to know us, and it’ll result in a relationship that puts you at ease and gives you confidence. 


Contact a representative at Dan Smith Insurance Agency Inc. to learn more about the benefits you can receive by combining your home and auto policies.


We are proud to provide insurance in Victorville, Apple Valley, Hesperia, Lucerne Valley, Oak Hills, and Phelan, California and surrounding areas.  We are also licensed in Arizona, Colorado, Idaho, Utah, and Texas.  

Office Location

14950 Circle Dr.

P.O. Box 1457 Victorville, CA 92395

Main office: 760-297-5212
Fax: 760-241-3567

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 3:00 PM
Sat: Closed
Sun: Closed

Mailing Address

PO Box 1457

Victorville, CA 92393

Main office:

Office Hours:

Mon: Closed
Tues: Closed
Wed: Closed
Thurs: Closed
Fri: Closed
Sat: Closed
Sun: Closed

Our Providers


We have had Dan Smith Insurance for years and we highly recommend them to everyone!
Chery Shumate
It is a great service to be able to pick up the phone & add or delete insurance items
Pam Hill
I have been very pleased with our relationship. Very good service.
Clifton Houzlow
As a long time customer I've never had to worry if I'm getting the best coverage. Thanks for the great service!
Denise Collins
I have been insured with you for many years. I am very happy with the people I have had to talk to and when I needed you, the services provided.
Lori Miller
I got into my first accident in 20 years and had no idea what to do next. I called my agent and she helped me through the whole process. I felt like she was really in my corner helping to get my car repaired as quickly as possible. I would highly recommend their agency to anyone.
Richard Catt
Your service has always been great. Your staff is very helpful! Thanks
John & Karen K.
I love my agent! She knows my policy up and down and is always available when I need to speak to her.
Deanna M.
agents always very helpful
Lois Roseberry
I never have to worry about missing a payment. Their billing department gives me a call with a friendly reminder. They are just great.
Colette V.
Even though I live in Idaho, Dan Smith Insurance and their companies are always available by phone or email. They take care of my home, auto and motorcycle no matter the time of day.
Breanne Shaw
I am so glad my agent keeps my policy updated. She added full coverage glass, so when I had a large crack in my windshield it was replaced without a deductible. Thanks Dan Smith Insurance!
Jamie Carrillo