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Plural

If referring to something about the Smith family as two or more, it would be the plural Smiths. Ex. The Smiths have two daughters, one son, a dog, a parrot, a hamster, and one snake.

*In the above sentence "The Smiths" takes the place in the sentence for "The parents".

In addressing, say a Christmas Card, it would be The Smiths.

Possessive

If referring to something owned by a person with the last name of Smith, it would be pluralized and then made possessive, reading Smiths'.

Example sentences of possession:

The Smiths' dog chased our cat up a tree.

The noise that kept me awake until 2 a.m. was the Smiths' dog.

When the Smiths held their New Year's Eve party, one of the Smiths' cars and one of the Jones' cars collided in the driveway. (bold is plural, the other two are possessive)

Johnny is one of the Smiths living on Second Street.

A roofer discovered that raccoons were living in the Smiths' attics and promptly told the Smiths about the various health and safety risks associated with removing the animals. (bold is plural, the other is possessive)

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Q: Do you write the Smiths or the Smith's?
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