(208) 265-4562

The Agent Who Cares

We offer the best insurance services and a pleasant experience. We take pride in offering Sandpoint, Idaho our quality home, life, auto, business and health insurance.


We Care About You.

Our goal is to provide our customers with the best insurance, clarity and excellent customer service.
Our goal is to sell insurance only when YOU need it.

The courteous staff at Stephen Smith Agency are here to help you find your way through the insurance maze.

Contact Us:

(208) 265-4562
(208) 263-7866

Our Office:

112 N. 4th Ave.
Sandpoint, Idaho 83864

Stephen Smith Agency - Farmers Insurance

Health Insurance


We specialize in Health Insurance Plans which can satisfy most of the health needs of individuals and families. more


To provide you with the information needed to help you make smart choices about auto, home, life, rentals, health, mobile home and business insurance in Sandpoint, Idaho.


We are celebrating our 28th year providing insurance coverage and quality customer service throughout Sandpoint, Idaho and surrounding areas. We are locally owned


Serving the public since 1910, Farmers Insurance Group of Companies is the 3rd largest insurer of autos and homes in the U.S. We rank very high among the leading insurance companies, having earned an A+ Superior rating (highest rating) by A.M. Best, the respected analysts of the insurance industry, confirming our superior financial strength.

Our Insurance Services:

Home Owners Insurance

Home Owners Insurance: Our Farmers Homeowners package policy is designed to provide coverage* you need for your home, your personal possessions and family liability protection. more

Automobile Insurance

Save Money with Farmers Auto Insurance. For years, Farmers has been famous for modern, broad-form coverage at low rates. Here are some of the ways to cut costs as you enjoy superior protection. more

Life Insurance

Farmer’s Flexible Universal Life Insurance: Offers you all of the advantages of a flexible Life insurance program couples with a cash Accumulation Account which earns a competitive interest rate. more

Business Insurance

Business Insurance: As a Business Owner you should be aware of a number of insurance coverages. For example, most states require that you provide coverage for on-the-job injuries to your employees. more

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