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Sweeney, Richards & Summers Insuror

Expertise, For All of Your Insurance Needs

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Our Insurance Options

Car Insurance Icon


From minivans, pickups, and sports cars to boats, motorcycles, and RVs, we offer coverage for a wide variety of vehicles. At Sweeney, Richards & Summers, our insurance experts help you find the best car insurance policy for your needs and lifestyle. Get a policy that offers great coverage without breaking the bank.

Cyber Security Insurance Icon


In today's digitized world, cyber insurance is a must-have for any business. Our comprehensive cyber coverage protects you against potential losses resulting from data breaches, network outages, and cyber-attacks. With our cyber insurance policies, you'll be able to rest easy knowing that your business is protected from online threats.

Small Business Insurance Icon


You have worked too hard and sacrificed too much over the years to allow your business to be put in jeopardy due to lacking insurance. If you have considered adding commercial auto insurance, excess liability insurance, or other additional policies to strengthen your coverage, our insurance brokers are here to help.

Flood Insurance Icon


With changing and erratic weather patterns, flood insurance is no longer just an option for most homeowners, it's a necessity. Oftentimes, homeowners can't even get mortgages or equity loans on their property if they do not carry any type of flood coverage. Our affordable flood insurance options offer protection without breaking the bank.

Homeowner's Insurance Icon


Your house is likely the largest investment you'll ever make. It's a safe place where you spend quality time with family and friends. Your home is also where you store most of your valuables. If you're a homeowner who wants to ensure that your family, property, and possessions are protected, get in touch today!

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Snow Removal

Preparedness for the upcoming snow season allows your crews to perform at their best. But snow removal contractors also know that there is a huge risk involved. Our insurance pros will work with you to enforce documentation and procedures that deter fraudulent slip and fall claimants and ensure that your properties are properly taken care of.

Insurance Options

Why Choose Our Insurance Brokers

Sweeney, Richards & Summers

Free Insurance Quotes & Evaluation

Talk to Insurance Professionals, Not Salesmen

Customized Insurance Solutions

Multi-Policy Discounts

Safe Driver Discounts

New Car Replacement Coverage

Full Glass Coverage

Workers' Compensation Dividends

Workers' Comp Pay-As-You-Go Coverage

Affordable Policies

Deep Discounts for Bundling Home & Auto Policies

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Why Choose Us

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What Our Clients are Saying

"Excellent experience! They were 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 Sweeney, Richards & Summers if you are looking to save money and ensure that you have the right coverage!!!"

- Michell H.

"I have been using Sweeney, Richards & Summerss 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 them 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 Sweeney, Richards & Summers team was an absolute pleasure. They 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 Sweeney, Richards & Summers!"

- Robert T.

Licensed Insurance Agency You Can Trust

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Sweeney, Richards & Summers has been serving clients since 1963, providing top-quality commercial and personal insurance services to those in need. We are a licensed insurance agency with a personal, hometown touch offering home, auto, business, life, and health insurance. Through access to multiple insurance companies, we can find the right company and coverage for your specific needs. Let us do the insurance shopping for you!

Started by Bill & Bette Richards in Denville, NJ, Sweeney, Richards & Summers embodies a true family-owned and operated business and has welcomed in the 3rd generation of family members to the business in 2017. At Sweeney, Richards & Summers, we believe in getting to know you and your specific insurance needs. Our insurance brokerage offers personalized service that goes beyond just placing you in a policy. Contact us today to learn how we can tailor an insurance solution to meet your unique requirements.


Advantages of Working With an Independent Insurance Agent



Many Options in One Place.

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.



They Are Insurance Experts.

Our independent insurance agents 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.

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They Will Go Bat for You.

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.

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Life Changes, So Do Your Insurance Needs.

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!

Personalized Service

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

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