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Your Local NJ Insurance Experts Since 1963

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For over 50 years, we have provided access to multiple insurance policies, our expert knowledge, and exceptional customer service.

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Why Choose Richards & Summers

  1. Free Insurance Quotes & Evaluations

  2. Talk to insurance professionals, not salesmen

  3. Customized insurance solutions

  4. Multi-Policy Discounts

  5. Safe Driver Discounts

  6. New Car Replacement Coverage

  7. Full Glass Coverage

  8. Workers' Comp. Dividends

  9. Workers' Comp Pay-As-You-Go Coverage

  10. Affordable Policies

  11. Deep Discounts for Bundling Home & Auto policies


"I have been using Richards and Summers for my Business Insurance for years and have always received EXCELLENT Customer Services and GREAT rates. Extremely responsive when you do have a claim or need assistance. This past year I had the pleasure of working with Dana to move my personal Home & Auto over and they saved me a TON of money and with better coverage. Could not be happier!!!"

- Kritin P.

"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 you’ve got nothing to lose to let them give you a quote. Highly recommend Richards & Summers!"

- Robert T.

"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!!!"

- Michell H.

5 Reasons to Work with an Independent Insurance Agent

  1. Since independent agents represent an array of insurance companies with many different types of coverage options, you will have a choice of many price points. Save time on filling out many different online forms for quote comparisons; with an independent agent you will receive quotes from many insurance providers. They can also bundle several different types of insurances if you need. Oftentimes, an independent insurance agent can find a better value for your dollar. They do the research, you get the savings.

  2. Independents are well versed experts in the complexities of insurance; they can explain everything to you in simple terms so you can make the best decision. They can ensure you receive adequate coverage at an affordable rate.

  3. If ever you were to have a billing or claim concern or need a change in coverage, your neighborhood insurance agent is there for you to answer questions and work with the insurance company on your behalf.

  4. Shopping local benefits your community. Independent insurance agents often get involved with the community by sponsoring youth sports teams, supporting other local businesses, attending Chamber of Commerce meetings, etc.

  5. Independent insurance agents can commit to review your coverage on a regular basis. As your life's situations change, your insurance coverage may need to, also. If you are thinking of buying a home, starting a business, get married, have children, adding a driver to your policy, etc., these situations all come with different types of insurance to help you along the way. Independent agents are there to help!


You’ll feel comfortable and confident in the affordable and comprehensive insurance policies available for your home or business.

© 2020 Richards & Summers - Insurance Provider in Denville, NJ - Get Your NJ Auto Insurance Quote!