By: Shelby Smith
BELMONT, MS – In an ever-changing world, having the right insurance coverage is essential to protecting your home, vehicle, business, and financial well-being. For more than three decades, Tri-State Insurance has been providing peace of mind to clients across Mississippi, Alabama, and Tennessee.
Now under the ownership of Kalim Wells, the agency continues its legacy of personalized service, community involvement, and client-first insurance solutions.
A Family Legacy in Insurance
Tri-State Insurance began with Roger Robinson in Tishomingo in the 1970s. In the mid-1980s, Kim Wells, Kalim’s father, joined as a partner, later opening an office in Belmont and eventually taking over the business.
With his father now retired, Kalim Wells leads the agency, continuing its mission of offering top-tier insurance products with a local, personal touch.
A Full-Service Independent Agency
Tri-State Insurance is not just another insurance agency—it’s an independent one. That means they aren’t tied to just one insurance provider. Instead, they offer a wide range of policies from top national carriers, ensuring clients get the best coverage at competitive rates.
Their services include:
✔ Auto Insurance – Protecting personal and commercial vehicles.
✔ Home & Rental Property Insurance – Coverage for homeowners, landlords, and renters.
✔ Recreational Insurance – ATV, boat, motorcycle, motorhome, and antique auto coverage.
✔ Business & Liability Insurance – General liability, commercial property, and workers’ compensation.
✔ Bonds & Specialty Policies – Providing essential protection for various industries.
“We work for our clients, not the insurance companies,” Wells explained. “Our goal is to educate our clients, helping them understand the coverage they need and why it matters.”
Overcoming Challenges & Staying Competitive
The insurance industry has evolved dramatically over the years, especially with advancing technology and industry disruptions. Tri-State Insurance stays competitive by:
✔ Offering multiple providers – Giving clients options beyond a single company.
✔ Providing exceptional service – Making sure every client feels valued.
✔ Educating customers – Helping them understand policies, rather than just selling them.
✔ Keeping costs manageable – Finding the right balance between affordability and quality coverage.
One of the biggest misconceptions about insurance? That it’s just an unnecessary expense.
“Insurance is a tool that allows clients to transfer financial risk to an insurance company,” Wells said. “It’s there to absorb the cost of accidents or disasters, so you don’t have to face those burdens alone.”
Community-Focused & Customer-Oriented
Beyond business, Tri-State Insurance believes in giving back.
“We try to help and sponsor as many local organizations as we can,” Wells said. “Our communities support us, and we want to support them in return.”
The agency has also embraced the power of social media and online presence, making it easier for clients to research policies, connect with agents, and get a quick, reliable insurance review before making decisions.
Looking Ahead
With over 30 years of success, Tri-State Insurance is focused on growth, maintaining strong client relationships, and adapting to industry changes.
Their advice for anyone looking to enter the insurance business?
“It’s not about selling—it’s about helping people. Insurance is a great industry, but right now, it’s tough for new agencies to get established. The best way in is to join an existing agency and learn the ropes.”
How You Can Support Tri-State Insurance
✔ Get a policy review – Let their team assess your current coverage.
✔ Shop local – Choose a hometown insurance agency that cares about your community.
✔ Spread the word – Share your experience and refer friends or family.
With a rich history, strong values, and a customer-first approach, Tri-State Insurance remains a trusted name in the region—helping individuals, families, and businesses secure their future one policy at a time.