Protecting your home and family is just the beginning. We work with you to determine your needs and create the best coverage program. We're proud that the majority of our personal insurance clients have been with us for 10 years or more. Our relationship doesn't end with the signing of a policy. We're available throughout the year to answer questions and make recommendations.

Our Personal Insurance Program includes the following coverages:


If you're like most families, your home is your most valuable asset. The basic homeowners policy covers much of what you need (and probably more than you think), but what is not covered deserves attention, too. Our business is to make sure you know what coverages are available to protect your assets.

Ever wonder what 100/300 means? Puzzled about what the right deductible for you is? At the Richardson Group we take the mystery out of insurance and make it client-friendly.

Properly insuring a mobile home requires special considerations. For instance, often there is less than adequate coverage for personal possessions. How much coverage you need is your business. Making sure that you know you might need more is our business.

Also known as tenants insurance, renter's insurance can protect your personal possessions worldwide - even if they are in storage. And did you know that this insurance policy includes personal liability protection on a worldwide basis? The cost is small when compared to the peace of mind it gives you.

If you own a condominium unit, don't assume that the association's master policy adequately covers your unit. It may not. At the very least you need renter's insurance.

We insure all types of boats, and while it is true that slower boats are easier and cheaper to insure than faster boats, our program can address both cases. We even insure personal watercraft, such as jetskis.

If you are like many New Englanders you may have recreational vehicles. The Richardson Group can insure your motorcycles, ATVs, snowmobiles and motor homes.

There is no coverage for loss due to flood under the homeowners, condominium or renter's policy. Statistically, the National Flood Insurance Program reports that between 20 and 25% of claims come from outside high risk areas. The program also reports that, during a 30-year mortgage, your are up to 26 times more likely to have a flood than a fire. Professional help is a must in understanding what flood insurance is and why you may need it.

Here is a common scenario: You are building a new home and your bank tells you that you need a builder's risk policy. Don't Panic! We provide builder's risk policies to our clients, usually with just one phone call. And, what's more, we take care of all of the insurance paperwork required for the closing. You've got enough on your mind without having to worry about insurance.

When you want more liability coverage than your basic policies give you, it's time for an umbrella policy. An umbrella provides you with additional coverage, from one to ten million dollars, above and beyond what your basic policies give you.