You Love Where You Live. Make Sure You Protect What’s Inside.

Your landlord’s insurance covers the building, but it doesn't cover you. We provide the renters' "shield" you need to protect your belongings and your lifestyle, so a single accident doesn't derail your future.

Is Your Entire Lifestyle One Neighbor’s Mistake Away from a Disaster?

Living in a rental offers freedom, but it also comes with a unique set of risks. You can be the most responsible tenant in the world, but you can’t control the person living above you or the aging pipes in the walls.

Most renters face three major frustrations:

The "Landlord Myth": Many renters mistakenly believe their landlord’s insurance covers their personal items. In reality, if a fire or flood happens, you are often on your own to replace everything you own.
The Liability Gap: If a guest is injured in your apartment or if you accidentally cause damage to the building (like an overflowing sink), you could be held personally liable for thousands in damages.
The Displacement Fear: If your apartment becomes uninhabitable after a storm or fire, where do you go? Without the right coverage, you’re stuck paying for a hotel and meals out of your own pocket.

You shouldn’t have to risk your savings just because you don't own the building.

We Protect the Things That Make a House a Home.

At SMA Insurance, we believe every renter deserves peace of mind. For over 30 years, Steve Meleleu and our team have helped tenants across the community protect their valuables and their financial security.

As independent agents, we don’t work for the big insurance companies—we work for you. We shop multiple carriers to find the best value and highest protection, ensuring your policy is a perfect fit for your lifestyle and your budget. Often, this protection costs less than a single takeout meal per month.

Three Simple Steps to Total Peace of Mind on the Road

The Value Audit

We help you estimate the true cost of your belongings—from your electronics and furniture to your clothes and gear—so you aren't under-insured.

The Custom Renters Shield

We shop our network to find a policy that covers your property, your liability, and even your things when you’re traveling.

Live Without Worry

You get back to enjoying your home, knowing that if the worst happens, your life stays on track.

Protect Your Stuff. Secure Your Savings.

With the right Renters Insurance shield, a bad day at the apartment is a temporary inconvenience, not a financial catastrophe.

The Success: Imagine knowing that even if a pipe bursts or a theft occurs, your laptop is replaced, your hotel stay is paid for, and your legal liability is covered. You have a local agent ready to help you recover in hours, not weeks.
The Failure: Without a tailored plan, a single accident could force you to start over from scratch, losing years of hard work and thousands of dollars in an instant.

Complete Protection for the Modern Renter:

Personal Property: Coverage for your furniture, clothes, electronics, and valuables against fire, theft, and water damage.
Liability Protection: Your legal shield if someone is injured in your home or if you accidentally damage the property.
Loss of Use: We pay for your hotel and increased living expenses if your rental becomes uninhabitable.
Medical Payments: Coverage for guests who are injured in your unit, regardless of fault.
Contents Away from Home: Protection for your belongings (like your phone or golf clubs) even when you’re traveling or away from your unit.
Valuable Items (Floaters): Specialized protection for high-value items like jewelry, bicycles, or collectibles.

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

Renters insurance is the most affordable way to protect your future. 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.