Smith & Associates

Joanna Smith & Associates is an independent insurance agency serving individuals and businesses in Northern Illinois, including McHenry County and communities such as Cary, Crystal Lake, Huntley, Woodstock, Trout Valley, and Oakwood Hills. The agency’s mission is to treat clients with care and respect, provide professional service, and put their needs first. Its agents work with multiple insurance carriers, helping clients compare options and find coverage suited to their circumstances rather than representing a single insurer.

Personal insurance offerings include auto, homeowners, renters, life, health, Medicare, flood, travel, umbrella, and high-net-worth coverage, as well as protection for mobile homes, motorcycles, recreational vehicles, off-road vehicles, snowmobiles, boats, and special events. Business solutions include commercial insurance, workers’ compensation, and bonds, with annual business policy reviews also available. The agency provides guidance on health plan types and offers online tools for requesting an insurance quote and making payments. Clients can also access resources, refer friends, and contact staff for assistance.