Schmit Massa Insurance Agency

Working With Our Partners at Schmit-Massa Agency

The agency was founded in 1957 by Robert Schmit. It operated for years out of the back of Schmit’s Market at the corner of Second and Canal Streets until 1981 when the market closed it’s doors. The agency moved to the current location at 126 South Main Street in Delphos which had previously housed the historic office and shop of Marion Township. It was at the inception the Robert Schmit Insurance Agency began it’s relationship with German Mutual of Delphos along with Ohio Mutual of Bucyrus, Ohio. Later Bob added Motorists Mutual along with Progressive by the time the agency moved to Main Street.
In 1990, Bob’s Son-In-Law William Massa entered as a licensed agent and purchased the agency. The agency then changed it’s name to Schmit-Massa Insurance Agency. Bob and his wife Pat stayed on for a few years later before retiring as the agency started to add additional staff. During Bill’s ownership, he purchased 3 other local agencies which added represented companies. It was during this time Bill created a Limited Liability Corporation and moved the name to Schmit, Massa and Lloyd Insurance Agency, LLC. In 2018, Bill realized there was an ability to create more insurance options for their clients within a larger agency setting so Schmit, Massa and Lloyd became part of Trammell Insurance Services.

The Delphos agency currently has 2 licensed agents and a CSR to service your insurance needs. Please contact licensed agents Bill or Felicia Smith at (419) 692-0951 for an insurance quote or with questions pertaining to your insurance needs. You can also visit our office in person as we welcome walk ins ! Assisting the agents is long term CSR Angie Carder who joined the agency in 2000. We at Schmit, Massa and Lloyd and Trammel Insurance Services look forward to servicing your future and long term insurance needs !

Auto Insurance

Almost everyone owns a car, truck, or sport utility vehicle. Driving a vehicle puts you and others at risk each time you get behind the wheel. When you think about it, it sounds scary, doesn’t it?
Responsible driving along with insurance offered through The Rhoades Insurance Agency can provide you with the protection you need should an accident or loss occur.

Options available are:

  • Liability coverage – bodily injury and property damage
  • Towing and labor coverage
  • Medical payments coverage
  • Accidental death benefit
  • Other than collision coverage (comprehensive)
  • Loan/Lease gap coverage
  • Collision coverage
  • Repair or replacement coverage (collision only)
  • Broad form collision coverage
  • Increased Limits for excess sound reproducing equipment
  • Uninsured and underinsured motorists’ coverage
  • Optional limits transportation expenses coverage
  • Uninsured motorists’ property damage
  • Tapes, records, discs, or other media-only coverage
  • Newly acquired vehicle coverage

Discounts available are:

  • Trucks and sport utility vehicles
  • Certain anti-theft devices
  • Senior driver (over age 60) who has completed an approved Motor Vehicle Accident Prevention course
  • Good student and away to school
  • 4-wheel anti-lock brakes
  • Active or passive restraint devices
  • Home Insurance


Home/Renters Insurance

Whether you have taken the big step of signing the lease to your new apartment, own a mobile home, or are purchasing your dream home, The Rhoades Insurance Agency can provide the protection you need.

You can take comfort in knowing that The Rhoades Insurance Agency has your best interests in mind. We offer a variety of coverage’s tailored to fit your needs.

Coverages include:

  • Fire or Lightning
  • Aircraft
  • Wind or Hail
  • Vehicles
  • Explosion
  • Sudden and accidental damage from smoke
  • Riot or Civil commotion
  • Vandalism and Malicious Mischief

Additional coverages available:

  • Replacement Plus for your contents
  • Backup of sewers or drains
  • Replacement Guarantee for your dwelling
  • Incidental business exposure in home
  • Earthquake
  • Waterbed liability (for tenants)
  • Liability coverage for a seasonal residence or a residence rented to others
  • Inland Marine coverage for scheduled items such as jewelry, fine arts, furs, guns, and collectibles

Discounts available:

  • Certain types of protection devices, for instance, smoke or burglar alarms
  • Dwelling less than 20 years of age
  • Auto/Home combinations
  • New home under constructions
Farm Owner Coverage

Whether you own a small farm with five acres or a large family corporation with thousands of acres, The Rhoades Insurance Agency provides the broadest coverage possible for your home, buildings, farm personal property and liability under one policy.

Coverages include:

  • Fire or lightning
  • Weight of ice, snow, or sleet
  • Windstorm or hail
  • Falling objects
  • Explosion
  • Sudden and accidental tearing apart, cracking, burning or bulging
  • Riot or civil commotion
  • Accidental discharge or overflow of liquids or steam
  • Aircraft
  • Freezing
  • Vehicles
  • Sudden and accidental damage from artificially generated electrical currents
  • Sudden and accidental damage from smoke
  • Vandalism and Malicious mischief
  • Sinkhole collapse
  • Sudden and accidental pollution
  • Theft
  • Milk contamination
  • Collision

Additional coverages available:

  • Replacement Plus for your contents
  • Blanket farm personal property
  • Replacement Guarantee for your dwelling
  • Inland Marine coverage for scheduled items
  • Borrowed, rented or leased farm equipment
  • Loss of farm income
  • Special Form coverage on outbuildings
  • Replacement Cost for farm barns, buildings, and structures

 Discounts available:

  • Auto/Home combinations
  • Dwelling less than 20 years of age
  • Country Estate (farms with less than 25 acres and less than $5,000 income)
  • New home under construction
  • Certain types of protection devices, for instance, smoke or burglar alarms
Motorcycle, Recreational Vehicles, Boats

A homeowner policy does not necessarily cover these items, if at all. Here at Rhoades Insurance Agency, we can find coverage for motorcycles, scooters, golf carts, all-terrain vehicles, snowmobiles, as well as sailboats & powerboats (inboard or outboard).

Coverages available:

  • Liability
  • Property damage liability
  • Physical damage
  • Medical payments
  • Uninsured and underinsured
  • Roadside assistance
  • Vacation liability
  • On-water towing
  • Coverage for fuel spills
Commercial Insurance

Property insurance is important for your business buildings and personal property, as well as protecting you in the event of the loss of your business income. Coverage against such losses is available. Liability insurance is important to protect your business against claims or suits arising out of the maintenance of insured premises and/or your operations.

Coverages available:

  • Property insurance
  • Liability insurance
  • Inland Marine
  • Commercial auto
    • We also have plans that provide a convenient method for combining coverages, tailoring them to fit your needs.
  • Business Package Policy
  • Apartment/Condominium Owner’s Policy
  • Artisan Package Policy
  • Special Multi-Peril Policy

When your present home or farm insurance coverage isn’t enough, an umbrella policy may be the answer. Did you know that courts have awarded verdicts in excess of $1,000,000 in most of the 50 states? A judgment of this kind could be devastating to your family. A single, major incident can be a financial disaster that could wipe out your savings, force the sale of your home or farm, and liquidate your assets. An umbrella policy is designed to cover and protect you in the event of such a judgment.

Umbrella insurance offers:

  • Protection for liability losses anywhere in the world
  • Protection limits up to $5,000,000
  • Protection against many risks where you now have no coverage
    1. Libel, slander, and false arrest
    2. Liability for newly acquired, not-yet-insured possessions
    3. Damage to property of others in your care (personal umbrella only)
  • Defense against court suits whether or not you are liable

Ask us about umbrella coverage. You’ll be surprised at the amazing low cost of such a high level of coverage.

Check with us today to look at the many ways we can help you be successful.