Your Land is Your Legacy. Don’t Let One Season Take It All Away.

Farming today is more complex than ever. We provide the tailored insurance "shield" you need to protect your home, your livestock, and your future from whatever Mother Nature throws your way.

Is Your Life’s Work Protected Against the Unpredictable?

For many, the farm isn't just a business—it’s your home and your heritage. But between volatile weather, equipment breakdowns, and the rising costs of production, the stakes have never been higher.

Most farm and ranch owners face three main frustrations:

The Complexity Gap: Modern farming has changed, but many insurance policies are still stuck in the past, leaving your GPS equipment or specialized machinery exposed.
The "Mother Nature" Anxiety: You’re constantly at the mercy of the elements, worrying that one storm, fire, or earthquake could wipe out your entire operation.
The One-Size-Fits-All Trap: You feel like a number at a big insurance company that doesn't understand the difference between a traditional production farm and a smaller family ranch.

You shouldn't have to bet your family's future on a policy that doesn't fit your land.

We Protect the Hard Work That Feeds Our Community.

At SMA Insurance, we know that farming is a way of life, not just a job. For over 30 years, Steve Meleleu and our team have been the "Trusted Shield" for Texas and Tennessee growers and ranchers.

As independent agents, we don’t work for the big carriers—we work for you. We are farm insurance experts who understand the nuances of your operation. We shop multiple carriers to find the exact "custom-fit" policy for your specific crops, livestock, and equipment.

Three Simple Steps to Securing Your Operation

The Operation Audit

We look at your acreage, your machinery, and your goals to find where you're currently vulnerable.

The Custom Farm Shield

We shop the market to build a policy that covers everything from your home and barns to your most expensive combines.

Focus on the Harvest

You get back to work with the peace of mind that your legacy is secure, regardless of the forecast.

Protect Your Past. Secure Your Future.

With the right farm and ranch coverage, you stop worrying about "what if" and start focusing on growth.

The Success: Imagine knowing that even if a major equipment breakdown happens during peak season, or a fire hits your storage buildings, you have the financial support to recover quickly. Your legacy stays intact for the next generation.
The Failure: Without a tailored plan, a single disaster or a "foreign object" in your combine could create a financial hole that takes years—or a lifetime—to climb out of.

Tailored Protection for Every Acre:

Farm Homes & Buildings: Complete coverage for your primary residence, barns, and storage structures.
Machinery & Equipment: Protection for tractors, GPS systems, and specialized gear (including cab glass and towing).
Livestock & Crops: Security for the heartbeat of your farm against fire, theft, and specific weather events.
Business Disruption: Coverage that pays the bills when your operations are halted by a covered loss.
Specialized Endorsements: Peak season coverage, temperature-sensitive protection, and sewer/sump pump backup.

Secure Your Livelihood Today.

Your farm is too important to leave to chance. Let’s build your shield before the next season begins.

What others are saying

"Insurance can be confusing, and these guys can break it down for you!"

"As a small business owner, I've used SMA Insurance Services for both my businesses and I would do so again in a heartbeat. They are fantastic at customizing a policy for your needs. "

- Becki B

"I have used SMA for auto, commercial, & residential coverage for more than 20 years."

"I switched our personal auto coverage to a relatives new agency as a favor. They made a mistake on my wife's birthday causing a significant cost increase. I returned our auto coverage to SMA at a considerable savings and will be with his agency until we die."

- Kirk W

"We were able to dramatically lower our monthly premium while enhancing our coverage."

"I can't recommend SMA Insurance enough! The team did a great job supporting our small business in our liability insurance and worker's comp needs. We were able to dramatically lower our monthly premium while enhancing our coverage."

- Katie F

Meet the Team

Steve Meleleu

Steve founded SMA Insurance Services in 1998 to help people find clear, dependable insurance coverage that truly fits their needs. With over 30 years of experience, Steve is a trusted guide for both personal and commercial insurance.

Senior Executive - Consulting

Victor Lauersdorf

Vic's expertise in national security and logistics, honed over years of military service, now guides his approach to educating clients on insurance matters and navigating complex market landscapes.

Commercial Accounts Executive

Trisha Lynn

Trisha simplifies insurance through education. She specializes in balancing affordability with comprehensive protection, ensuring families achieve financial security and total peace of mind.

Personal Lines Insurance Agent

Maria G.

Maria is dedicated to providing exceptional insurance support through a blend of meticulous attention to detail and genuine empathy. She prioritizes responsiveness, ensuring every client feels heard and protected during life’s most uncertain moments.