The Road is Calling. Make Sure You’re Ready for Whatever It Throws at You.

You ride for the freedom, not the worry. We provide a custom "motorcycle shield" that protects your bike, your gear, and your future, so you can focus on the next curve.

Is Your "Cheap" Policy Leaving You Vulnerable on Two Wheels?

Being a rider is different. The risks are higher, the gear is specialized, and the accidents are more complex. Yet, many riders settle for "add-on" policies that treat their bike like a second car.

Most riders face three major frustrations:

The Customization Gap: You’ve spent thousands on custom paint, chrome, and performance parts, but a standard policy only pays for the "base model" if you wreck.
The Medical Nightmare: If you're injured, the bills can be astronomical. Without the right limits, one accident could drain your savings or keep you off the road for good.
The Uninsured Threat: On a bike, you’re at the mercy of other drivers. If an uninsured driver hits you, you shouldn't be the one left paying the price for their mistake.

You shouldn’t have to risk your financial life just to enjoy the ride.

We Protect the Freedom of the Road.

At SMA Insurance, we know that a motorcycle isn't just a vehicle—it's a lifestyle. You deserve an agent who knows the difference between a cruiser and a sportbike. For over 30 years, Steve Meleleu and our team have been the "Trusted Shield" for riders across Texas and Tennessee.

As independent agents, we don’t work for the big-name insurance corporations. We work for you. We shop the most trusted specialty carriers to find the exact coverage for your specific ride—ensuring your accessories, your gear, and your person are fully protected at a price that leaves more money for gas.

Three Simple Steps to Total Peace of Mind on the Road

The Gear & Bike Audit

We look at your bike, your modifications, and your riding style to find any "hidden leaks" in your current coverage.

he Custom Rider Shield

We shop our network of top-rated specialty carriers to find the best value and highest protection.

Ride with Confidence

You hit the road knowing that if the worst happens, you have a local team ready to get you back on two wheels.

Protect Your Ride. Secure Your Lifestyle.

With the right Motorcycle Insurance shield, you stop worrying about "what if" and start enjoying the journey.

The Success: Imagine the peace of mind knowing that even if a driver pulls out in front of you, your medical bills are handled, your safety gear is replaced, and your custom parts are fully covered. You have a local agent who actually rides and understands your needs.
The Failure: Without a tailored plan, a single incident could leave you with a totaled bike you can't afford to fix, a garage full of useless custom parts, and a mountain of medical debt.

Complete Protection for Every Mile:

Custom Parts & Equipment: We insure your chrome, custom paint, and performance upgrades—not just the stock bike.
Uninsured/Underinsured Motorist: Crucial protection for when the other person is at fault and doesn't have insurance.
Safety Apparel Coverage: We cover your helmets, leathers, and boots if they are damaged in an accident.
Roadside Assistance: We’ll be there with a tow if you’re stranded on the side of the road.
Liability Protection: The essential shield that protects your assets if you're at fault.
Medical Payments: Ensuring you get the care you need immediately after an accident.

Don’t Wait for a Close Call to Check Your Coverage.

The best time to secure your ride is before you kick up the kickstand. Let’s build your shield today.

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. Steve and Vic are fantastic at customizing a policy for your specific needs. They are great about explaining what types of coverage you need or don't need. Insurance options can be confusing, and these guys can break it down for you!"

- Becki B

"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

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

"I have used SMA Insurance Agency for auto, commercial, & residential coverage for more than 20 years. At one point, 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

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.