We represent a carefully selected group of financially sound, highly-regarded insurance companies. We will provide you with quotes from several companies offering the best coverage at the best price. We are committed to a high standard of excellence in all that we do. We are dedicated to building long term, trusting relationships with our clients, by meeting their insurance needs today and in the future.
Services
Pat Richard Insurance Agency was established in 1970, and is family-owned and operated. Located in Saratoga, California, we are an independent insurance agency committed to providing our clients with personalized service and insurance products that are tailored to meet their specific needs.
In addition to providing an array of personal insurance products, we work closely with our clients to educate them on the various types of insurance, coverage limits, risks and benefits so they can make informed decisions about protection for their home, automobile and other assets.
In addition to providing an array of personal insurance products, we work closely with our clients to educate them on the various types of insurance, coverage limits, risks and benefits so they can make informed decisions about protection for their home, automobile and other assets.
This coverage pays bodily injury and property damage to others for which you are responsible. California requires that you maintain liability limits of at least $15,000 per person, $30,000 per occurrence for bodily injury and $5,000 for property damage. Give us a call to determine what limits of liability are recommended for you.
Pat Richard Insurance Agency has the Motorcycle Insurance coverage options to fit your ride. We insure street bikes, cruisers and touring bikes, as well as dirt bikes and ATVs. You can pick the motorcycle insurance coverage that fits your needs. Our companies offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage.
Whether you are a home or condo owner, a renter or a landlord, Pat Richard Insurance Agency has the coverage to fit your needs and will assist in choosing the insurance coverage that gives you the best value for the best price. This typically pays to repair or rebuild your home if it's damaged or destroyed by an insured event like a kitchen fire or windstorm.
Many owners believe that their Condo Association provides all the insurance coverage they need. In fact, they may need their own policy to cover improvements they've made to their unit as well as their personal belongings, not to mention liability coverage. As your personal insurance agent, we will work with you and your HOA to determine what coverage you need to be fully protected.
Reviews (2)
L. G. L.
Oct 29, 2015
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After a few years using other insurance agencies for some rental properties, I decided to do some comparison shopping and got some quotes from Carey at Pat Richard Insurance Agency in Saratoga. Carey provided excellent service and got back to me quickly with several options. I made an appointment to see her the next day and she had all the options neatly printed out for me to compare. Most importantly, the quotes were significantly less than what we were paying with two other agencies. We saved hundreds of dollars. I was so impressed, I recommended her to my son for his auto insurance and he and
Mike Catalano
Oct 22, 2012
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Being in the Property Management and Real Estate industry it is important to have some general knowledge about property insurance and umbrella policies, but it is more important to have someone to refer my clients to that knows the insurance industry inside and out. Carey with Pat Richard insurance is exactly that person. Carey has a wealth of knowledge and is always available whether there is a claim or just a simple question. It’s great to have a contact person that is on your side rather than dealing directly with the insurance companies. I would highly recommend Pat Richard Insurance to anyone
