Insurance in and around Independence
Bundle policies and save serious dollars
Customizable coverage based on your needs

Would you like to create a personalized quote?
Celebrating 100 Years Of Good Neighboring
We can help you create a Personal Price Plan® to help protect what’s important to you – family, things and your bottom line. From safe driving rewards, bundling options and discounts*, create your coverage to meet your specific needs. Contact Houston Richards for a Personalized Price Plan.
Bundle policies and save serious dollars
Customizable coverage based on your needs

Got A Plan? Let Us Help You Get There
But your car or truck is just one of the many insurance products where State Farm and Houston Richards can help. Do you operate a business in the Independence area or want to be your own boss? Navigating the complicated world of small business insurance? Houston Richards can make it easy to find the insurance you need to protect what you’ve worked so hard to achieve. And we also offer a number of liability insurance options to guard the ones you love in the event of an illness or injury.
Simple Insights®
What is a retirement annuity?
What is a retirement annuity?
The main purpose of an annuity is to help provide an income in retirement. A retirement annuity can provide you with a paycheck, no matter how long you live.
Questions about Social Security survivor benefits
Questions about Social Security survivor benefits
Who is eligible for Social Security survivor benefits? We break down what survivor benefits are, explain how to claim survivor benefits and identify who qualifies.

Houston Richards
State Farm® Insurance AgentSimple Insights®
What is a retirement annuity?
What is a retirement annuity?
The main purpose of an annuity is to help provide an income in retirement. A retirement annuity can provide you with a paycheck, no matter how long you live.
Questions about Social Security survivor benefits
Questions about Social Security survivor benefits
Who is eligible for Social Security survivor benefits? We break down what survivor benefits are, explain how to claim survivor benefits and identify who qualifies.