148 N. Sam Houston San Benito, TX 78586

For all your insurance needs, please contact Smith-Reagan Insurance Agency today at (956) 399-1353 or 1-800-399-1353 (toll free)


About Us

Life is unpredictable, and therefore keeping your family members, home, property and business financially protected is very important. Smith-Reagan Insurance Agency is a local independent agency providing affordable and comprehensive insurance plans to our clients. Our coverage area extends throughout the state of Texas as well as other states, with our focal point on the Rio Grande Valley. We work with a number of leading insurance companies in the nation to ensure that you are able to compare coverages and choose the most suitable insurance plans for your family and business.
Functioning as an independent firm, we represent many different insurance companies. We make a comparison of different policies and coverages so that we can offer the best plan to all our clients. With leading insurance company products and years of experience, we are able to deliver exceptional services to our clients.

Personal Insurance

Coverage for Home, Auto, Boats, ATV's, Mobile Homes, Motorcycles, Travel Trailers, ATV's, Watercraft, Classic Auto.

Business Insurance

Commercial Property, General and Professional Liability, Commercial Auto, Farm and Ranch, Inland Marine, Kidnap and Ransom, Contractors, Business Package, Bonds, Equipment, Flood, Medical Malpractice and Commercial Umbrella.

Life & Health Insurance

Group Health, Life, Supplemental Coverages, Disability, Universal Term, and Whole.

Germania earns national recognition by Forbes for 2023

Germania is excited to announce it has earned a coveted spot on Forbes’ list of America’s Best Home Insurance Companies for 2023! Germania ranked No. 12 nationally for its property insurance product,* topping some of the biggest carriers in the industry. You can find the full press release in our Newsroom.

Forbes partnered with market-research firm Statista to survey roughly 15,000 U.S. customers to determine which insurers came away with the highest overall-satisfaction ratings based on financial advice, customer service, transparency, digital services, price, performance, and benefit. Participants were also asked to rate carriers based on overall recommendation and general satisfaction.

Being recognized with a high national ranking is a tremendous accomplishment for Germania as we only write insurance in one state (Texas).

“With a modest team member count and coverage area compared to our national counterparts, we have strongly delivered on competitive service and price points. You could say we are small but mighty!”

-Germania President and CEO Brandon Keller

In 2021, Germania ranked No. 4 for its auto insurance product and No. 5 for its home insurance product in the state of Texas. Germania will celebrate this achievement throughout the year with special Forbes branding on our website, social media, Germania Today, and policyholder communications. We invite you to spread the word when speaking with your customers this year!


Representing the following insurance companies:

We do the shopping for you so you don’t have to submit your personal information to different agencies