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.
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.
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
Here's how we approach the coverage Richmond households and businesses ask about most.
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.
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.
Renting in Richmond? Renters insurance protects your belongings and covers your liability, which your landlord's policy generally won't.
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.
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.
Ray County back roads make for relaxed riding. We'll make sure your bike's coverage fits your riding season and where it spends the winter.
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.
A camper parked out by the barn still needs protection from wind, hail, and theft between trips. We'll explain how RV coverage works.
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.
What we'd keep in mind for a Richmond home, car, or business.
Yes. We're based in Independence and work with customers across the Kansas City area and nearby communities like Richmond.
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 basicsCollision 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 basicsStart 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 basicsRV 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 basicsCall or text (816) 291-3898 — no need to make the drive.
Learn more about the coverage Richmond, MO households and businesses ask about, or see how we help customers across Missouri.
Insurance Across MissouriBlack ice on a metro overpass does not care that you left early. Here is how collision, comprehensive, and roadside help actually show up in a winter claim.
Hail does not wait for a convenient Saturday. Here is what I walk local homeowners through so a storm is a headache, not a financial surprise.
What to do at the scene, what to wait on, and when to call your agent — written for regular drivers, not claims adjusters.
Talk with Troy Lentz and the Shield Squad Agency team about your insurance needs.
Troy Lentz
Licensed Insurance Advisor