OUR SERVICES
Farm Insurance
Coverage for your buildings, equipment, livestock, and liability.
Commercial Insurance
From property and general liability to custom business packages — we’ve got you covered.
Crop Insurance
Protect your yield and revenue from unpredictable weather and market shifts.
Personal Insurance
Policy options designed to align with your unique needs and preferences.
WE OFFER THESE ADDITIONAL SERVICES
Business Insurance • Construction Insurance • Work Comp Insurance • Restaurant Insurance • Liquor Liability Insurance • Scrap Metal Insurance • Trucking Insurance • Special Events Insurance • Non-Profit Insurance • Day Care Insurance • Church Insurance • Apartment Building Insurance • Welding Insurance • Auto Repair Insurance • Semi Repair Insurance • ATV Dealer Insurance
ABOUT SMITH D&L
At Smith D&L Insurance, we understand the unique risks farmers and business owners face — because we live it in our daily lives. We’ve been serving Iowa communities for decades with practical solutions, personal service, and deep-rooted trust. We partner with many excellent insurance companies to deliver the best insurance value available for each client’s story. In return, each client walks away feeling informed and confident in their policy decision.
OUR CERTIFIED AGENTS
WHAT OUR CLIENTS ARE SAYING
Always friendly, helpful, and knowledgeable! Would recommend to a friend.
— Jessica
I've been very happy getting my personal and business insurance through Rusty at Smith D&L. I've found that I can't beat their price and service anywhere else!
— Tyler
Rusty has always been extremely helpful, honest, and considerate of all our needs over the years. Great prices. We love that he truly customizes the packages after taking his time to listen to our needs. He is wonderful at answering questions and is always so friendly!
— Quentin
We have been with Smith D & L for many years and have always been very happy with the services they have provided. The entire staff is always friendly and willing to help us in any way possible. It is a family-owned business, and each generation has put forth great effort to make this the best insurance agency in the area.
— Karen
Rusty and the entire staff are the best. They always make me feel like my questions and concerns are the most important issues they have when I call. I have always been shown undivided attention with quick service and response time. I recommend the agency to anyone with insurance needs.
— Theresa
Rusty at Smith D&L Insurance has been an asset to my company. I trust that my business is always safe and in great hands, with the best rates and customer service around.
— Ryan
KEEPING IT SOCIAL
Our Sign.
Your Message!
Looking to celebrate a special occasion? We’ve got you covered! Whether it’s a birthday, anniversary, retirement, or any other milestone, you can see your message shining bright on our sign—absolutely free! It’s as simple as giving us a call or sending us a message on Facebook. Plus, don’t forget to like our Facebook page to catch a glimpse of your name in lights! We love sharing these joyful moments, and we’ll post a photo whenever we can. Join us in spreading the cheer and making memories that last a lifetime!
CONTACT US
Get a Quote or Send us a Message
Got a quick question or need a quote? Perhaps you have a special message you'd like to see on our digital sign? We’re here to help! Simply fill out this form and we’ll respond as soon as possible.
Your inquiries are important to us, and we strive to provide prompt and friendly service. Whether it’s for a celebration or just a simple query, don’t hesitate to reach out—we can’t wait to hear from you!
1310 1st ST W,
Independence, IA 50644
Hours:
M-TH: 8:00 AM - 4:30 PM
F: 8:00 AM - 4:00 PM