About us
Smart Options Insurance Agency, LLC is an independent Arizona agency delivering clear, personalized insurance solutions for individuals, families, and small businesses. With 20+ years of industry experience, we combine modern technology, strong carrier relationships, and a client-first approach to find coverage that fits your needs and budget.
We offer a full range of personal and commercial products including auto, home, renters, commercial liability, workers' compensation, commercial auto and trucking, restaurant and hospitality, liquor liability, and bonds. As an independent agency, we compare multiple carriers to provide choice across price points and policy features.
Our team focuses on plain-language guidance, fast quotes, and practical risk management. We specialize in transportation and hospitality risks and place specialty exposures with carriers experienced in those classes to reduce claim friction.
Use the Momentum Edge portal to request a quote, upload documents, or schedule a consultation. Smart Options Insurance Agency - smart protection, clear advice, and service that works for you.
Personal and Commercial Lines insurance professionals
Ask me about these types of insurance...
Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.
An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.
Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.
An annuity is an investment product issued by an insurance company that provides you with guaranteed periodic payments in return for your initial investment.
If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.
An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.
States we serve
- Arizona
Our insurance coverages
Personal insurance coverage
- Automobile
- Collectible Auto
- Condo
- Home
- Landlord
- Mobile Home
- Motorcycle
- RV / Motorhome
- Renters
- Travel Trailer
- Umbrella
Business insurance coverage
- Bonds
- Business Owners Package (BOP)
- Business Vehicle
- Cyber Liability
- Employment Practices Liability
- Errors & Omissions
- General Liability
- Inland Marine
- Other
- Professional Liability
- Property
- Umbrella / Excess
- Workers' Compensation
Life & Annuities coverage
- Annuities
Industries we serve
- Accommodation and Food Services
- Administrative and Support and Waste Management and Remediation Services
- Arts, Entertainment, and Recreation
- Construction
- Educational Services
- Finance and Insurance
- Health Care and Social Assistance
- Information
- Management of Companies and Enterprises
- Other Services (except Public Administration)
- Professional, Scientific, and Technical Services
- Real Estate and Rental and Leasing
- Retail - Sporting Goods / Hobby / Music / General / Misc.
- Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
- Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
- Transportation and Warehousing
- Wholesale Trade
