SMK Insurance BlackBelt Protection means building a policy tailored to your needs including any insurance discounts owed to you. Home, auto, business, life...Bundling your insurance needs with SMK often means one lower premium. We'll work with you to find the payment plan that works best for you. For your auto insurance, SMK offers multi-vehicle discounts, experienced driver discounts, short commute discounts, and accident forgiveness with our premium protection policy. Our discounts on Home insurance can apply to people whose home is mortgage free, is a non-smoking residence, is served by electric heat, remains claims free, has an alarm system, and is a newer home.