Independent Insurance Agency · CA · WA · TX
Insurance Guidance Built Around You
Covered West helps individuals, families, and businesses understand their options and find appropriate protection. We explain things clearly, answer your questions, and help you make sense of what's available — across California, Washington, and Texas.
Insurance Solutions
Clear options, explained simply
We help you understand a range of insurance types so you can choose what fits your life and your budget. Coverage availability and eligibility vary by state and individual circumstances.
Auto Insurance
Coverage for personal vehicles, helping you understand liability, collision, and comprehensive options.
Learn more →Home Insurance
Protection for your home, belongings, and liability so you understand what is and isn't covered.
Learn more →Life Insurance
Options to help protect your family's financial future, explained in plain language.
Learn more →Debt2Capital Debt-Retirement Program
A structured approach to understanding and retiring debt as part of your broader financial picture.
Learn more →Other Insurance Needs
Tell us what you're looking for and we'll help you understand the options that may apply.
Learn more →Ballpark Estimator
Get a rough idea of your premium
Adjust a few inputs to see an illustrative monthly ballpark for auto or home insurance. It's a starting point — not a quote.
Want a real review of your auto options? An agent can walk through liability, collision, comprehensive, and deductibles with you.
Request auto insurance informationEducational estimate only. This is not an insurance quote, binder, or offer of coverage, and does not guarantee price, eligibility, or approval. Actual premiums vary based on many factors only an agent can review. Request information below for real options.
Why Covered West
Knowledgeable, personal, responsive
We aim to be the kind of agency people recommend to their friends — clear, approachable, and genuinely helpful.
Personal guidance
You work with a person who takes the time to understand your situation — not a call center.
Multiple insurance solutions
Auto, home, life, business, and more — explained in one place so you can compare your options.
Clear explanations
We translate fine print into plain language so you understand what you're considering.
Responsive service
Questions get answered promptly. We aim to be easy to reach and easy to work with.
CA, WA & TX support
We serve clients across California, Washington, and Texas with locally relevant guidance.
How It Works
A simple, three-step process
Step 1
Tell us what you need
Share a few details about what you're looking for — no obligation.
Step 2
Review your options with an agent
We walk you through what's available and what it may mean for you.
Step 3
Choose the protection that fits
You decide what makes sense for you, with our guidance along the way.
About
Meet your agent
Covered West is led by Thomas “Tom” Blacksmith, who takes a personal, straightforward approach to insurance guidance.
Tom is an independent insurance field underwriter and agent, focused on helping families protect their homes and financial security through life insurance solutions. With many years of experience in customer service, sales, and client relationship management, he believes in providing clear information and straightforward guidance so people can make confident decisions.
His approach is simple: listen first, understand each family's situation, and help them find coverage that fits their needs and budget. As an independent agent, Tom works with several highly rated insurance carriers, allowing him to compare options rather than offering a single company's product.
Request Information
Request insurance information
Tell us a little about what you're looking for and a Covered West agent will follow up. Submitting this form does not guarantee coverage, eligibility, or savings.
Schedule a Consultation
Book a 30-minute consultation
Pick a convenient time for a friendly, no-obligation conversation about your insurance questions. We'll help you understand your options.
Schedule a 30-minute consultation
Pick a day and time that works for you. This is a friendly, no-obligation conversation to understand your needs.
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Contact
Get in touch
We're happy to answer questions by email, phone, or through the form above.
Website
Phone
Hours
Monday–Saturday, 3:00 PM – 8:00 PM