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With a 85 year history on Main Street, delivering exceptional services at competitive rates, our focus has always been on serving our clients and protecting their assets.  Our growth is no accident!


A Family Operation


Smith Kandal About UsOur roots go back to 1934 when S. Quay Smith started his insurance and real estate agency in the city of Brawley. His son Sherman M. Smith later joined and with partner Clair W. Mitchell, continued to build the agency with the addition of several hundred clients.In 1971, Kevin C. Smith, Sherman’s son, joined the agency and the stage was set to move the Company to the next level. In 1988 Greg Smith joined his father and brother creating a true family tradition. Since then, the business has expanded outside the borders of Imperial County and serves thousands of clients throughout the Desert Southwest. In 1995 Smith-Mitchell merged with Kandal Insurance Agency. With his 25 years of experience Ed Kandal enabled us to have an edge on the competition which is still seen today in Smith-Kandal Insurance & Real Estate.


The Independent Advantage

We are Independent Agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service.  Smith-Kandal Insurance Agency represents a carefully selected group of financially strong, reputable insurance companies, allowing us to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

Independent agents are not tied to any one insurance company. The advantage of using an independent agent is that we work to satisfy your needs.  Insurance is an important financial decision, and you should feel confident that your insurance agent is experienced, knowledgeable and committed to helping you succeed.

As independent agents, we have several insurance companies that we can approach to get you the best coverage at the best price. We have developed long-term relationships with a broad range of insurance companies, and we know which companies have the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it’s for your home, your car or your business, you want an agent who will properly assess the risks you face and give you an objective analysis of the marketplace.  It’s your financial future on the line — and we’re here to help you protect it. Contact an agent today.