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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
Contact me

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.


States Licensed In


Insurance Products Offered

Auto Insurance
Auto Insurance
Home Insurance
Home Insurance
Life Insurance1
Life Insurance
1. To check the background information of this firm or an investment professional. visit FINRA BrokerCheck
2. For a free tool to research our financial professionals. visit
3. To view the FFS Customer Relationship Summary select: Form CRS.
4. To view additional disclosures related to FFS products select: Disclosures

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Switch to Farmers® and you could save an average of $441 on Auto or $437 on Home.* You could be missing out on hundreds in savings. Call me today and let’s talk about how switching to Farmers could help you save.

*Based on average nationwide annual savings of new customers surveyed, excluding HI & SC, from 7/1/20 to 7/1/21 who switched their Auto insurance policy or who switched their Homeowners insurance policy to a Farmers® branded policy, responded to the survey, and realized savings. Potential savings vary by customer and may vary by state and product.

Farmers Policy Perks

Get a whole lot of something with
Farmers Policy Perks℠

When you purchase a policy with Farmers, you're not just getting insurance backed by almost a century of experience. Now, you can unlock discounts, save money, and get benefits — with Farmers Policy Perks.

Choose from a variety of perks. Some start the moment you sign up for a policy; others help you save money the longer you're with us. Safe driver perks? We've got those. And added coverage perks? Got them too.

So which perks will you choose? I’m always happy to help with any questions you might have! Call or email any time.

Vet visits are twice as expensive as they were 10 years ago, but that shouldn't keep you from caring for your pet.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by Independence American Insurance Company, a Delaware insurance company.

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  • Vacationing and Cruising

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®.

CrashAssist, a new feature in the Signal by Farmers app, can help detect crashes and help connect you with emergency service providers, if requested. Call me today or visit to find out more.

Frequently Asked Questions: