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Choosing an independent insurance agency means you get choices. We represent a number of different insurance companies, so we can compare coverage and prices to find the best possible value for your individual circumstances. The insurance products we offer include:




Personal Insurance

Home, Auto, Personal Umbrella, Boat, Dwelling Fire, Renters, Builders Risk, ATVs, Farm, RVs, Mobile Home…

Commercial Insurance

Commercial Property, General Liability, Workers Compensation, Commercial Auto, Bonds, Directors & Officers, Cargo, Errors & Omissions, Umbrella, Garage Liability, Computer, General Liability…

Life & Health Insurance

Individual Health, Dental, Vision, Term Life, Universal Life, Whole Life, Group Benefit, Annuities, Disability, Short Term Health, Long Term Care, Supplemental Health, Accident, Cancer…

Rains Insurance is a subsidiary of SmartBank. Insurance and annuity products purchased through Rains Agency Inc. are NOT FDIC INSURED, NO BANK GUARANTEE, MAY LOSE VALUE, NOT A DEPOSIT, and are NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY.