Home Insurance

Home Insurance Coverage

At Richards Insurance Agency, we offer top-notch home insurance coverage. We offer it at some of the most competitive rates on the market.

Our home insurance plans cover a wide range of calamities. In addition to standard Homeowners Insurance we sell Flood Insurance through the National Flood Insurance Program. More information and quotes are available upon request.

Enjoy home insurance coverage from some of the most reputable insurance carriers on the market. We work with Erie, All Star / Newark Mutual, Liberty Mutual Fire, IMT Group, Darlington Mutual, GuideOne and Sheboygan Falls.

Home Insurance Options:

  • Single-Family Homes
  • Manufactured Homes
  • Double-wide Homes
  • Mobile Homes
  • Duplexes
  • Condos
  • Apartments
  • Farms
  • Farmettes
  • Ranchettes
  • Seasonal Dwellings
  • Vacation Homes
  • Work Shops
  • Pole Sheds


Homeowners Insurance

Homeowners’ Insurance protects you financially in the event of a covered loss. More importantly, it provides peace of mind for one of your most valuable assets, . your home! Proper homeowners’ insurance coverage will ensure that you do not bear the full brunt of rebuilding or replacing your personal belongings, if your home is damaged or your belongings are destroyed. In addition, a homeowners’ policy not only protects your dwelling, but it also protects against liability claims, detached structures, your personal property and the loss of use as well.


Finally, endorsements are available under the provisions of your homeowners’ policy to protect against the following:

  • Water back-up of sewers and drains
  • Identity theft
  • Guaranteed replacement cost
  • Personal property replacement coverage
  • All risk coverage enhancement

Homeowners’ Insurance Addendums

An addendum to an insurance policy, known as an insurance rider, also provides additional coverage to the insured. Richards Insurance Agency offers riders on homeowners’ policies for the following:

  • Jewelry, furs or other valuable items
  • Recreational vehicles (boats, ATVs, etc.)
  • Home-based business coverage

Homeowners’ Insurance Discounts

To those insuring their homes with Richards Insurance Agency, there are many types of insurance discounts available. The following are the most common situations or circumstances that allow for insurance premium discounts:

  • Lower your rate by packaging the home policy with your automobile policy
  • 1st time homeowner
  • Newly constructed home (10 years or newer)
  • Alarm system installed in home
  • Smoke alarms, dead bolts and fire extinguisher(s) in home
  • Group discounts through employer or association

At Richards Insurance Agency, our agents work hard for you. Richards Insurance Agency makes use of many home insurance carriers to find the best fit for your home insurance needs. It can be difficult to know what product is best for you. Let Richards Insurance Agency recommend the best homeowners insurance solutions. And let us do that at the lowest possible price that fit your insurance needs.