Cheap, Dependable Coverage That Protects What Matters Most
“Richey Insurance Agency works for you, not just one insurance agency!”
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Lowering your premium doesn’t have to mean cutting corners on protection. Many homeowners qualify for discounts and don’t even know it.
Talk with one of our agents—some clients save up to 40% per year.
Below are a few discount opportunities worth asking about:
| Discount Opportunity | How It Can Help Lower Your Costs |
|---|---|
| Bundling Policies | Combine home and auto for multi-policy savings |
| Smart Home Features | Alarms, sensors, and cameras reduce risk |
| Recent Upgrades | New roof, wiring, or plumbing = better rates |
| No Recent Claims | Staying claim-free shows you’re a low risk |
| Early Shopping | Getting a quote before renewal may save more |
Aledo is a beautiful place to live—but it’s not without risk. Here’s a snapshot of the most common threats homeowners face in the area:
Protecting your home against these risks starts with the right insurance plan. That’s where we come in.
Aledo sits in a region prone to severe weather events like hurricanes, tornadoes, hail, and wildfires. These natural risks increase the likelihood of damage, which pushes insurers to raise premiums. If your rate feels high, ask about available discounts or request a policy review—we may be able to help you reduce costs without losing protection.
The 80% rule means your policy must cover at least 80% of your home’s replacement value to receive full payout for damages. If your coverage falls short, the insurer might only pay a partial amount—even for large claims. Not sure if your current policy meets the threshold? Let’s check and make sure you’re not underinsured.
Request a free quote using our convenient online form
Prefer to talk to a representative? Our agents are more than happy to help you.
You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
