Shield Squad Agency
Richmond, Missouri

Insurance in Richmond, Missouri, the Ray County Seat

Richmond has been the Ray County seat since 1827, and its 1914 limestone courthouse still anchors downtown. By official proclamation it's also the "Mushroom Capital of the World" thanks to the wild morels in the area — and it's surrounded by the kind of rural country where people know their neighbors.

Shield Squad Agency is based in Independence, and Troy Lentz works with Richmond households and businesses, along with neighbors in Excelsior Springs, Lawson, and across Ray County.

Local Presence

Local Help for Richmond and Ray County

Richmond is out past the edge of the metro, but you don't have to be close to our Independence office to work with us — phone and text work just fine.

Small-town homes, rural property, and local businesses all come with their own questions, and we'll go through yours in plain English.

Troy Lentz

Licensed Insurance Advisor

  • Based in Independence, MO 64055
  • Call or text (816) 291-3898
  • Monday – Friday, 9:00 AM – 5:00 PM
  • A Farmers Insurance Agency
Insurance in Richmond

Coverage for Life in Richmond

Here's how we approach the coverage Richmond households and businesses ask about most.

Auto Insurance for Richmond Drivers

Highways 10 and 13 are the main roads through Richmond, and plenty of local driving happens on two-lane county roads. We'll make sure your coverage fits your miles, the wildlife, and the winter weather.

Home Insurance for Richmond Homeowners

Richmond has plenty of older homes in town and rural properties outside it. We'll check your roof, your rebuild cost, and your coverage for detached garages and outbuildings.

Life Insurance for Richmond Families

Life insurance comes down to who depends on you. We'll compare term, whole life, and IUL and help you work out how much coverage makes sense.

Business Insurance for Richmond Businesses

Downtown shops, contractors, and service businesses around the courthouse square each have different needs. We'll walk through which coverages could make sense for yours.

Boat Insurance for Richmond Boaters

Whether you fish close to home or trailer to a bigger lake, we'll go over liability, damage to your boat, and how your trailer is covered.

RV Insurance for Richmond RV Owners

A camper parked out by the barn still needs protection from wind, hail, and theft between trips. We'll explain how RV coverage works.

Pet Insurance for Richmond Pet Owners

Dogs that ride along in the truck and cats that rule the porch can both end up at the vet. We'll help you understand pet insurance through Farmers, provided by Pets Best.

Ready to review your coverage? Talk with a local advisor in Richmond.

Local Know-How

Insurance Considerations for Richmond

What we'd keep in mind for a Richmond home, car, or business.

Older Homes in Town
Many Richmond homes have decades behind them. Review the roof, wiring, and plumbing, and make sure your dwelling limit reflects today's construction costs.
Two-Lane Highways
Highways 10 and 13 and the county roads around Richmond mean two-lane driving and wildlife. Hitting a deer is generally a comprehensive claim; most other crashes fall under collision.
Ray County Storms
Ray County storms can bring hail and strong winds. Check how old your roof is and what you'd owe out of pocket after wind or hail damage.
Downtown Businesses
If you run a shop or office near the courthouse, think about your building's age, your customers, and your lease when you review coverage.
Rural Winter Roads
County roads can stay slick long after the highways are clear. It's smart to check your collision coverage before the first snow.
FAQ

Richmond Insurance Questions

Do you work with customers in Richmond?

Yes. We're based in Independence and work with customers across the Kansas City area and nearby communities like Richmond.

I have a barn and a shop on my property outside Richmond. Are they covered?

Detached buildings are generally covered under the other-structures part of a homeowners policy, up to a limit. If your outbuildings are large or valuable, you may need a higher limit — and tools or equipment for a business may need separate coverage.

Home insurance basics
What's the difference between collision and comprehensive on a country road?

Collision generally covers your car when it hits another vehicle or object, like a ditch or a fence. Comprehensive generally covers things like hitting a deer, hail, or theft. Both are subject to your deductible.

Auto insurance basics
I run a business near the courthouse. Where do I start?

Start with your building or lease, your customers, your equipment, and any employees. From there, we'll figure out which coverages could make sense.

Business insurance basics
Can my camper stay covered while it's parked for the winter?

RV policies can often cover a camper while it's parked or stored, but the details vary. Give us a call before you change anything for the off-season.

RV insurance basics
How do I reach Shield Squad from Richmond?

Call or text (816) 291-3898 — no need to make the drive.

Keep Exploring

Related Insurance

Learn more about the coverage Richmond, MO households and businesses ask about, or see how we help customers across Missouri.

Insurance Across Missouri

Have Questions About Your Coverage?

Talk with Troy Lentz and the Shield Squad Agency team about your insurance needs.