Affordable, Customized Plans from Over 100 Quality Providers
“Richey Insurance Agency works for you, not just one insurance agency!”
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Rates vary because each insurance company weighs risks differently age of the home, building materials, neighborhood crime stats, and more. The key to finding a better price is simple: compare. That’s where Richey Insurance Agency steps in. As an independent agency with access to over 100 trusted providers, we handle the comparison for you. You tell us what matters most then we match you with coverage that fits.
It depends on the cause. If the damage is the result of a covered peril listed in your policy, your insurance may pay for the repairs. However, issues caused by floods, shifting soil, or wear and tear will likely fall outside your policy unless you’ve added specific protection.
If a tree damages your home or other structures due to a named peril, that’s usually covered. But if it falls without causing damage or falls because of neglect or rot insurance likely won’t cover removal or repairs.
Yes. Even without a mortgage, the risk of fire, storms, or liability doesn’t go away. Going without insurance could mean paying out of pocket for damage or legal claims. A policy can help protect both your home and your finances.
Start with discounts bundling, home safety features, claim-free history, and more. Raising your deductible is another way to reduce your premium. Many homeowners who increase their deductible to $1,000 see noticeable savings.
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You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
