The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy also provides protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with one of our experienced Account Managers to determine the best coverages for you.

Insurance for All Kinds of Vehicles!

Richmond and Richmond Insurance can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us for more information today!

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. We can help you find the insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Insurance for All Kinds of Homes

Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!

Ohio – What you need to know about homeowners insurance

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Ten Myths about Homeowners Insurance

Myth #1: Flood damage is covered by standard homeowner’s insurance.
Fact: Home insurance doesn't cover flood damage. A separate flood insurance policy must be purchased in addition to your standard policy in order to be covered.

Myth #2: My medical expenses are covered in case of injury.
Fact: The medical payment portion of your home insurance is designed to protect you if a guest gets hurt on your property. You and your family are not covered in case of injury on your own property.

Myth #3: Making an inventory list of your possessions is a waste of time.
Fact: An inventory list is the proof of your ownership. When you file a claim, you will be asked to list all the items that were lost. To make sure that you don't forget anything and to maximize your reimbursement, prepare the list of your possessions ahead of time.

Myth #4: The premium goes up every time a claim is filed.
Fact: A single claim may not result in a premium increase. However, filing multiple claims may increase your premium. Always estimate costs of repairs before filing a claim. If the cost isn't much higher than your deductible, then it is more reasonable to pay for it yourself, rather than filing a claim.

Myth #5: Home insurance covers all valuables, including jewelry and furs.
Fact: Home insurance has a limit on the amount of coverage for valuables. If particular possessions are worth more than that amount, you should purchase additional coverage for those items.

Myth #6: Home insurance covers damage caused by lack of maintenance, including mold.
Fact: Home insurance does not cover mold or other damages caused by poor maintenance. You are responsible for the maintenance of your home. That is one way to prevent major repairs and to keep your home safe for all.

Myth #7: Flood insurance is only for those who live in flood zones.
Fact: Floods can happen anywhere, not just in a flood zone. A standard homeowner’s insurance policy doesn't cover damage caused by flooding. Flood insurance will keep you covered.

Myth #8: To lower your insurance premium, you have to lower coverage.
Fact: Reducing your insurance coverage in order to save on your premium is a bad idea. You should always be adequately insured. To keep your premium low, learn what options you qualify for that might lower your premium. For example, you can increase the deductible or install a burglar alarm system.

Myth #9: Dwelling coverage amount is based on the purchase price of your home.
Fact: Your dwelling coverage should be based on the replacement cost of your home. It doesn't need to include the land part of your property. Replacement cost is usually calculated by multiplying the square footage of the home by current local construction costs.

Myth #10: You cannot buy a home without buying home insurance.
Fact: If you have a mortgage most lenders may require you to purchase home insurance, but it is usually up to the homeowner to get proper insurance.

It is important to learn all the facts about home insurance to avoid major mistakes that many homeowners make. You want to have sufficient insurance coverage for your home – just in case.

Based in Madison, our team understands the needs of our customers. Every need is unique, which is why we provide many types of insurance. As independent insurance agents, Richmond and Richmond Insurance can help you find the coverage that best suits your particular needs and provides you with the greatest value.

Boat & Watercraft Insurance

We offer policies for a wide variety of pleasure boats. From sailboats to powerboats, we will recommend the protection that’s right for you.

Recreational Vehicle Insurance

No matter what kind of RV you own—motor home, trailer, or camper—knowing you’re covered will give you the peace of mind to relax and enjoy your journey.

Flood Insurance

Flood Insurance is offered through the National Flood Insurance Program. Although the government actually provides the coverage, our agency issues the policy and, in the event of flood damage to your insured property, would also service your claim.

Landlord Protection Insurance

Loss assessment protection is available to owners of residential property in condominiums, homeowners associations, and other planned communities. A wide array of options and coverages are available to fit your needs. Talk to an account representative today.

Personal Umbrella

Monetary damage awards from lawsuits continue to increase. Personal Umbrella policies provide you with an extra layer of liability coverage above and beyond what your auto, home or boat policies provide. Check with us to see if an Umbrella Policy makes sense for you.

Talk with us today to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets all your needs.