Business Details
50+ Years
experience
Your Trusted Insurance Partner in Denville, NJ
Since 1963, our agency has been a trusted provider of comprehensive insurance solutions for both personal and commercial clients. As a family-owned and operated business, we pride ourselves on delivering personalized service that extends beyond mere policy placement. Our team of licensed professionals is dedicated to understanding each client's unique needs, leveraging access to multiple insurance carriers to secure optimal coverage at competitive rates. With decades of combined experience, we specialize in home, auto, business, life, and health insurance, offering tailored strategies that align with evolving life circumstances.Our commitment to the Denville and Sparta communities is reflected in our approachable expertise, prompt claims assistance, and ongoing policy reviews to ensure continuous protection. We distinguish ourselves through transparent communication, cost-saving bundling options, and specialized coverage solutions including cyber insurance and snow removal liability. As the first insurance agency in this New Jersey region to welcome a third-generation family member in 2017, we maintain our founding principles of integrity and community service while embracing modern risk management practices.
Services
Auto Insurance
Cyber Insurance
Business Insurance
Flood Insurance
Home Insurance
Snow Removal Insurance
Details
- Year established: 1963
Highlights and features
- We offer free insurance quotes and evaluations
- Our team provides customized insurance solutions
- We deliver multi-policy discount opportunities
- Our agency offers workers' compensation dividends
- We implement pay-as-you-go coverage options
What people say
Saved over $200 annually
Excellent customer service
Better coverage options
Responsive support team
Coverage doubled savings
Services
Auto Insurance
We provide comprehensive auto insurance coverage for various vehicles including cars, motorcycles, boats, and RVs. Our policies offer protection against accidents, theft, and damage while providing cost-saving options like safe driver discounts and new car replacement coverage. Our experienced brokers help clients navigate coverage options to find optimal protection that balances thorough safeguards with affordability for personal and commercial vehicle needs.
Cyber Insurance
Our cyber insurance policies safeguard businesses against digital threats through network security breach coverage and data protection. This essential coverage protects against financial losses from cyber attacks while providing risk management resources. We help businesses implement security protocols that prevent breaches and provide financial protection when incidents occur, addressing modern technology risks with comprehensive insurance solutions tailored to commercial operations.
Business Insurance
We offer specialized business insurance solutions including commercial auto, excess liability, and workers' compensation coverage. Our policies protect companies from operational risks while providing flexible payment options like pay-as-you-go models. Our brokers work closely with business owners to customize coverage packages that address specific industry risks while identifying potential cost savings through multi-policy bundling and security implementation discounts.
Flood Insurance
Our flood insurance policies provide critical protection against water damage from changing weather patterns. This essential coverage helps property owners meet mortgage requirements while offering affordable protection for residential properties. We help clients navigate flood zone requirements and secure appropriate coverage levels, implementing risk mitigation strategies that can potentially reduce premium costs through improved property protections.
Home Insurance
We offer comprehensive home insurance protection for both standard and unique residential properties. Our policies cover structural damage, personal belongings, and liability protection while offering customizable options for specific needs. We help homeowners understand replacement cost values versus actual cash value coverage, implementing security system discounts and bundling opportunities that maintain high protection levels with cost-effective pricing structures.
Questions
What types of insurance do you offer?
We provide auto, home, business, life, health, and specialty insurance including cyber protection and snow removal coverage for both personal and commercial clients.
How can you help me save on insurance costs?
We offer multi-policy discounts, safe driver incentives, bundling savings, and access to multiple carriers to find competitive rates while maintaining quality coverage.
Are you affiliated with specific insurance companies?
We represent major providers like MetLife, Progressive, The Hartford, and regional carriers, giving clients access to diverse coverage options and pricing structures.
Do you serve commercial clients?
Yes, we specialize in business insurance solutions including workers' compensation, commercial auto, and liability coverage with flexible payment options.
How does your policy review process work?
We conduct regular coverage evaluations to ensure policies adapt to changing life circumstances, business needs, and property improvements while identifying potential cost savings.
Can you help switch existing policies?
Our team handles the complete transition process, coordinating with current providers to ensure seamless coverage continuation without gaps in protection.
Reviews (5)
Brigitte Carucci
Mar 29, 2020
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Dana at Richards & Summers has handled both my personal and professional insurance policies for a number of years now, and consistently goes above and beyond to help her customers in any way possible. I have referred her a number of times and everyone has been very pleased. Give her a call for a no obligation quote on your insurance - she’ll shop around to get you the best coverage for the best price.
Robert Trautmann
Aug 04, 2018
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Working with Dana and the Richards & Summers team was an absolute pleasure. She shopped our homeowners policy and increases our coverage and cut the premium almost in half. It took little effort on our part so youve got nothing to lose to let them give you a quote. Highly recommend Richards & Summers!
Michelle H.
Jul 23, 2018
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Excellent experience! Dana was able to save me over $200 a year on my condo insurance with a better policy! I was able to switch easily with just a few calls and emails. I highly recommend working with Dana if you are looking to save money and ensure that you have the right coverage!!!
David Graber
Jun 13, 2018
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Excellent service. Great people to work with. I use them for business, home, auto, and personal insurance. They have saved me alot of money compared to my other agents in the past.
Diman P.
Jun 19, 2016
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Was trying to get the quote for business insurance, it took three weeks to get it, give OK to bind the policy - another two weeks go by waiting and they decline the coverage! Wasted 5 weeks of my time ! who wants to be next ...?
