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Walter Smith

Farmers Insurance Agent in Fredericksburg, VA
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Contact Info


1320 Central Park Blvd
Ste 200
Fredericksburg, VA 22401

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Phone Numbers

(540) 486-5369(540) 486-5369
(540) 486-5972

Office Hours

Day of the WeekHours
Mon:10:00 AM - 7:00 PM
Tue:10:00 AM - 7:00 PM
Wed:10:00 AM - 7:00 PM
Thu:10:00 AM - 7:00 PM
Fri:10:00 AM - 7:00 PM
Available Saturday, by appointment only
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Farmers Insurance Agent in Fredericksburg, VA

Walter Henry Smith, Jr
About Me

As a 21-year retired United States Air Force member who has proudly served as a police officer and weather forecaster, planning for the protection of life and property remains a priority for me. With a firm commitment to helping clients like you identify the insurance coverage that best fits their needs my style is uncomplicated: learn who you are, consider what you want, and help to customize a plan that properly meets your needs.

Walter Smith Agency was founded as a catalyst for financial freedom through the core values of integrity, service, and excellence. My goal is to build a long-lasting relationship with you wherein I share the knowledge, experience, and tools that I have to aid your understanding of insurance and your coverage options during different stages of life. I am a firm believer that “all who are prudent protect themselves with knowledge” (Proverbs 13:16a).

Whether your current insurance need is auto, home, renters, business, life, or another type, as a resident of Virginia since 1993 I’m proud to serve my neighbors in Fredericksburg and Northern Virginia as your local Farmers® agent.

Give me a call at (540) 486-5369 and I'll be happy to answer any questions you might have.

Languages Spoken: English


MS, Capitol College and BS, University of Maryland University College

Military Service

I served for 21 years in the Air Force where I achieved the rank of Master Sergeant. Areas I was stationed: United Kingdom, Germany, Okinawa and South Korea.


Insurance Products Offered

*To check background information of this investment professional, visit FINRA BrokerCheck.

Ask Me About:

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As your local Farmers agent in Fredericksburg, I can help make you smarter about insurance.

Depending on your state, you may be eligible for certain discounts. See how Farmers can save you money on insurance specific to Virginia residents.


An insurance agent goes over policy options with a couple

Are you currently reviewing your insurance portfolio? If so, this is a great time to consider the value and convenience of choosing Farmers for your insurance needs. Your agent can show you all your available options, and you may qualify for discounts when you purchase additional insurance policies.

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Apply for the Farmers® Rewards Visa® and Visa Signature® cards and watch your rewards add up quickly. Cardholders can enjoy exclusive benefits and rewards. Use your points for a credit card statement credit to offset purchases or redeem points for travel, gift cards, and merchandise.

Subject to credit approval. The Farmers Rewards Visa is provided by Comenity Bank pursuant to a license from Visa USA Inc. The Farmers Rewards Program is provided by Comenity Bank which is solely responsible for the Program operation and all Rewards. Comenity Bank may change the terms of the Program at any time. See for Rewards Terms and Conditions.

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Farmers® agents provide this service in person or online to help you review your existing coverage, so you can decide how to keep up with your changing insurance needs.

- As your life changes, maybe your policy should too

Changes in your life can add up to changes in insurance needs. A change in marital status, the birth of a child or the purchase of a new home are just a few examples of life events that may create overlaps or gaps in your coverage.

- Review your coverage and possibly save money

Just as you continue to change and grow, Farmers® has been growing for over 85 years. A Farmers® customer can be the first to enjoy access to new benefits (like when we became the first insurance group to offer a discount for alternative-fuel vehicles). Talk to us about a Farmers Friendly Review® - we can provide you with insurance options and discuss any available discounts for which you may qualify so you can select the coverage that best fits your needs.

- How often should you have a Farmers Friendly Review® session?

We recommend a Farmers Friendly Review® at least once a year or whenever you have a qualifying life event change. If you like, I can even set a reminder for us to keep an annual appointment to discuss your changing coverage needs.

Give us a call to set up your Farmers Friendly Review®.

Reward yourself for being a focused driver with Signal® from Farmers®. It’s an easy to use app-based tool that can help you earn a discount on your auto policy and a chance to win up to $100 every month.* Contact me to learn how to enroll.

Frequently Asked Questions: