Business Details
50+ Years
experience
Your Trusted Insurance Partner in Saratoga, CA
Pat Richard Insurance has been serving the Saratoga, California community since 1970. As a family-owned and operated independent insurance agency, we prioritize personalized service and tailored insurance solutions to meet our clients' unique needs. Our team represents financially sound, highly-regarded insurance companies, offering competitive quotes and comprehensive coverage options. We are committed to building long-term trusting relationships by educating clients on insurance fundamentals, coverage limits, and risk management strategies.With decades of local expertise, we specialize in personal insurance products including auto, home, motorcycle, boat, RV, flood, and umbrella policies. Our dedication to excellence ensures clients receive customized protection plans while benefiting from potential discounts and industry-leading service standards.
Services
Auto Insurance
Motorcycle Insurance
Homeowners Insurance
Renters Insurance
Flood Insurance
Umbrella Insurance
Boat Insurance
RV Insurance
Details
- Year established: 1970
Highlights and features
- Family-owned since 1970 with deep local expertise
- Personalized insurance solutions tailored to individual needs
- Comprehensive education on coverage options and risks
- Access to multiple top-rated insurance carriers
- Commitment to long-term client relationships and transparency
Services
Auto Insurance
We provide comprehensive auto insurance solutions meeting California's legal requirements while offering customizable coverage options. Our policies include liability protection, medical payments, uninsured motorist coverage, collision and comprehensive protection, towing assistance, and loss of use benefits. Clients can qualify for multiple discounts including good driver, multi-policy, and safety feature incentives.
Homeowners Insurance
Our homeowners insurance offers complete protection for primary residences, including property damage coverage, personal liability protection, and additional living expenses during repairs. Policies cover standard risks while offering optional earthquake and flood coverage. We help clients determine appropriate coverage limits for dwelling replacement, personal property, and liability protection.
Umbrella Insurance
Umbrella insurance policies provide critical liability protection beyond standard home and auto policies. Starting at $1,000,000 coverage, these policies protect against catastrophic losses and legal claims exceeding primary policy limits. This secondary coverage applies across multiple liability exposures including home, auto, boat, and RV policies.
Flood Insurance
Flood insurance provides essential protection not included in standard homeowners policies. Available through the National Flood Insurance Program, we offer up to $250,000 dwelling coverage and $100,000 personal property coverage. Policies protect against flood-related damage from rising water events, with specialized options for high-risk and moderate-risk flood zones.
Motorcycle Insurance
Our motorcycle insurance policies protect various bike types including cruisers, touring bikes, and ATVs. Coverage includes liability protection, medical payments, collision and comprehensive coverage, roadside assistance, and custom parts protection up to $10,000. We offer specialized coverage for both daily riders and occasional enthusiasts.
People
Carey Richard
Agent / Broker
Carey Richard serves as the primary agent and broker at Pat Richard Insurance, continuing the family legacy of providing personalized insurance solutions since 1970. With decades of experience in the insurance industry, Carey specializes in helping clients understand complex coverage options while maintaining the agency's commitment to exceptional customer service.
Questions
What auto insurance coverage is required by California law?
California requires minimum liability coverage of $15,000 per person/$30,000 per accident for bodily injury and $5,000 for property damage.
Do I need flood insurance if I'm not in a high-risk zone?
Flood insurance is available to all property owners through the National Flood Insurance Program, even if not required by your flood zone classification.
What does umbrella insurance cover?
Umbrella insurance provides additional liability protection beyond your existing home, auto, boat, or RV policies, starting at $1,000,000 coverage.
How does renters insurance protect my personal property?
Renters insurance covers your belongings against named perils like theft or damage and may pay for temporary living expenses if your rental is uninhabitable.
What factors affect homeowners insurance costs?
Home replacement cost, personal property value, liability limits, location, and available discounts like security systems or multi-policy bundling impact costs.
Can I customize motorcycle insurance coverage?
Yes, we offer customizable motorcycle insurance including liability, medical payments, collision, comprehensive, and custom parts coverage up to $10,000.
Reviews (1)
L. G. L.
Oct 29, 2015
Report
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 his husband saved hundreds too. Carey is very responsive to questions and it's easy to reach via email.
We saved hundreds of dollars. I was so impressed, I recommended her to my son for his auto insurance and he and his husband saved hundreds too. Carey is very responsive to questions and it's easy to reach via email.
