Your Home is Your Sanctuary. Don’t Let a Single Storm Take It All Away.

Most homeowners don't know they have gaps in their coverage until it's too late. We provide a custom "home shield" that protects your dwelling, your belongings, and your family's future, so you can rest easy tonight.

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Is Your Greatest Investment One Disaster Away from a Financial Crisis?

Your home is more than just four walls and a roof—it’s where your life happens. But many homeowners are unknowingly "under-insured," relying on basic policies that don't reflect the true cost of rebuilding today.

Most homeowners face three major anxieties:

The Out-of-Pocket Trap: Discovering after a fire or storm that your "replacement cost" wasn't actually enough to cover the current market prices for labor and materials.
The Liability Nightmare: In a litigious world, a single guest injury or even a dog bite can lead to a lawsuit that targets your personal savings and equity.
The Hidden Exclusions: Fearing that "common" risks like water backups or specific weather events aren't covered by your standard policy until the damage is already done.

You shouldn’t have to worry about "what if" while you’re trying to enjoy your home.

We Protect the Foundations of Our Community.

At SMA Insurance, we believe your home insurance should be as unique as your home itself. For over 30 years, Steve Meleleu and our team have been the "Trusted Shield" for homeowners across Texas and Tennessee, moving beyond "cookie-cutter" policies to find real solutions.

As independent agents, we don’t work for the big-box insurance companies—we work for you. We compare multiple top-rated carriers to find the best value and highest protection, ensuring your policy is a perfect fit for your family and your budget.

Three Simple Steps to Total Home Security

The Dwelling Audit

We review your home’s current value and your belongings to find any hidden "cracks" in your current coverage.

The Custom Home Shield

We shop our network to find a policy that covers everything from your roof and detached structures to your most valuable personal items.

Rest Easy

You get back to making memories in your home, knowing that if the worst happens, your family and your finances are fully defended.

Protect Your Sanctuary. Secure Your Legacy.

With the right Home Insurance shield, a disaster is a temporary setback, not a life-altering tragedy.

The Success: Imagine the peace of mind knowing that even if a major storm or fire hits tomorrow, you have the financial support to rebuild, replace every possession, and cover your living expenses while your home is restored.
The Failure: Without a tailored plan, a single event could force you to drain your retirement savings or take on massive debt just to fix the place where you live.

Complete Protection from the Foundation Up:

Dwelling Coverage: Protection for the structure of your home against fire, wind, hail, and lightning.
Replacement Cost: Ensuring you receive the actual cost to rebuild and replace, not just the "cash value."
Personal Liability: Your legal shield against lawsuits if someone is injured on your property.
Other Structures: Coverage for detached garages, sheds, fences, and even guest houses.
Loss of Use: We pay for your hotel and meals if a covered loss makes your home temporarily uninhabitable.
Specialized Endorsements: Protection for jewelry, sewer backups, and identity theft that standard policies often miss.

Don't Wait for a Crisis to Find Out You're Exposed.

The best time to secure your home is before the forecast turns. Let’s build your shield today.

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What others are saying

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"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

Five gold stars representing high customer satisfaction and positive reviews for SMA Insurance Services.

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"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

Professional woman smiling, showcasing personalized insurance solutions for small businesses, emphasizing trust and support in landlord liability insurance.

"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

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Steve Meleleu

Steve Meleleu, an expert in both commercial and personal insurance, with over 40 years at SMA. Our agency is built on a foundation of trust, integrity, and professional transparency.

Senior Executive

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Victor Lauersdorf

Victor translates years of military leadership as a former Chief of Operations into strategic insurance solutions. His expertise in logistics and risk management ensures his clients receive disciplined, data-driven advice.

Commercial Accounts Executive

Maria G.

Maria combines deep policy knowledge with a caring, human-centered approach. Dedicated to efficiency and accuracy, she ensures her clients are supported and protected when they need it most.

Customer Service Representative

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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.