Insurance Agent Chad Richards

Chad Richards

Richards Ins and Fin Svcs Inc

Would you like to get a quote?

Office Details:

Street Address:

110 Flowers Crossroads Way
Ste 102
Clayton, NC 27527-9088


Located at the intersection of NC Hwy 42 & Buffalo Rd in the Harris Teeter shopping plaza.

Office Hours (EST):

Mon-Wed 9am-5pm
Thurs 9am-5:30pm;Fri 9am-5pm
After hours by appointment




Need help with a claim?

Start or track your claim online, or with the State Farm® mobile app.

Need to pay a bill?

Pay insurance bills fast and manage them easily.

Let us help you create a Personal Price Plan™

Everyone loves saving money. Customize a coverage plan that helps protect what’s important to you – family, things and your bottom line. From safe driving rewards, bundling options and discounts*, Chad Richards can help you create a solution that’s right for you.

Prices are based on rating plans that may vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.
*Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.

Auto Insurance

Buckle up with State Farm, and get auto insurance in Clayton, NC that fits your needs. You’ve got plenty of options — from collision and comprehensive to rental and rideshare. If you need more than an auto policy for the family, we provide car insurance coverage for new drivers, business travelers, collectors, and more. Not to mention, State Farm is the largest auto insurance provider in the U.S.1 You could even save more by combining the purchase of auto and home policies.

Chad Richards in Clayton, NC will help you get started after you complete a car insurance online quote. It’s fast and easy!

1. Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2018.

Start your car insurance online quote. It’s fast and easy!

Homeowners Insurance

Protect your largest investment from unexpected events life may throw your way with State Farm® Homeowners Insurance in Clayton, NC. So, what’s covered?1 Your home insurance ensures you can repair or replace your home, as well as the items you value. Personal property is covered even if you're on vacation, running errands or holding items in storage. More homeowners choose State Farm as their home insurance company over any other insurer.2

Chad Richards in Clayton, NC will help you get started after you complete a homeowners insurance online quote. It’s fast and easy!

1. Please refer to your actual policy for a complete list of covered property and covered losses.
2. Data provided by S&P Global Market Intelligence and State Farm Archive.

Start your homeowners insurance quote. It’s fast and easy!

Renters Insurance

Renters insurance, also known as apartment insurance, covers your personal property — like computers, TVs, electronics, bicycles, furniture, and clothing — both inside and away from your apartment or other home that you may rent. Renters’ insurance coverage1 even extends to personal property in your car. Renters insurance typically covers losses to your personal property caused by fire, smoke damage, sudden and accidental covered water damage, thefts, burglaries, vandalism or vehicle damage.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Start your renters insurance quote. It’s fast and easy!

Personal Articles

Do you have important treasures like collectibles, jewelry, sports equipment, and others? Your homeowners or renters insurance policy may limit coverage on some of your most valuable items. Make sure your valuables are protected with a Personal Articles Policy in Clayton, NC. A State Farm® Personal Articles Policy can even provide personal property coverage1 worldwide (perfect for vacations) in case of theft, accidental damage, or loss.

Want more information? Ask Chad Richards in Clayton, NC about a personal property insurance quote.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a personal articles insurance quote.

Business Insurance

Whether your business is just starting, growing or maturing, State Farm will provide you with smart options for business insurance in Clayton, NC. Your insurance for business may include1 a business owners policy, commercial auto policy, individual health policy or even workers’ compensation. Like you, our agents are small business owners who know the importance of developing a plan for continued financial security. We know your business means everything to you. As it grows, make sure you have the right business insurance products for your business.

Work with Chad Richards in Clayton, NC to get a small business insurance quote and choose what products are right for you.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a small business insurance quote.

Life Insurance

State Farm® life insurance helps your life's moments live on. Whether it keeps paying the mortgage, maintains a current standard of living, pays off debts or pays for college, the life insurance you choose can be there when it’s needed most by your loved ones. Help secure the future of your family with a term life, whole life, or universal life policy. We have policy options to fit your needs and budget.

Chad Richards in Clayton, NC will help you get started after you complete a life insurance online quote.

Start your life insurance online quote. It’s fast and easy!

Health Insurance

As you experience changes in your life, your health insurance coverage should adjust as well. Let State Farm help you find the right policy for health insurance in Clayton, NC. We offer a variety of affordable supplemental health, Medicare supplement, or individual medical coverage plans. You may even protect your paycheck with disability insurance to help cover monthly expenses.

Work with Chad Richards in Clayton, NC to get a health insurance quote and choose a plan designed to fit the needs of a family, individual, or senior citizen.

Start your medicare supplement online insurance quote.

Start your hospital income online insurance quote.


Banking, your way. When, where, and how you want. When you're looking for help to achieve your financial goals, we want to be your first and best choice in Clayton, NC. Thanks to an alliance between U.S. Bank® and State Farm®, now, you'll be able to apply for U.S. Bank Checking, Savings, CDs, Retirement CDs and Credit Cards online or through your local State Farm agent.

Talk with Chad Richards in Clayton, NC to get more information about available U.S. Bank banking products.

Call or email an agent for product information.


Let State Farm® support your financial future with an investment through annuities in Clayton, NC. Immediate annuities may guarantee an income for life, while tax-deferred annuities could help increase your retirement savings. Selecting the best annuity option depends on your financial goals and market conditions. Create a future stream of income or payments with an investment option that grows for you. State Farm can help clear the confusion and misinformation out there when it comes to annuities.

Talk with Chad Richards to get more information about annuities in Clayton, NC that support your financial goals.

Call or email an agent for investment information.

Mutual Funds

Invest in your future and help meet your goals with State Farm® Investment Planning Services. You’re offered a variety of account types and multiple investment products. Feel free to check the investment firm or professional’s background at FINRA's Broker Check®. State Farm VP Management Corp. Customer Relationship Summary

Talk with Chad Richards to get more information about mutual funds in Clayton, NC and financial opportunities.

Call or email an agent for investment information.

Pet Insurance

When your pets need medical attention, the last thing you should worry about is cost. Unfortunately, many pet owners find themselves facing tough decisions about their dog or cat’s care. We’re here to help. State Farm works with Trupanion® – a leader in high-quality pet medical insurance – to make it easier for pet owners to care for their furry family members.

Want more information? Ask Chad Richards in Clayton, NC about a pet medical insurance quote.

Start your pet medical insurance quote. It’s fast and easy!

About Me:

  • We opened our office on Six Forks Rd in Raleigh, NC in
  • 2003. Our 2nd office location opened 2014 in Flowers
  • Plantation in Clayton, NC.
  • We proudly serve the Raleigh, Clayton, Smithfield,
  • Zebulon, and Selma areas. I am a member of the Clayton
  • Chamber of Commerce, my church's lector ministry,
  • coach for NRWF Bulldogs, Wolfpack Wrestling Club, and
  • the NCDB Rivercats 10U baseball team. I am a former
  • Life insurance employee and a second generation agent.
  • Our office is an Ambassador Travel Qualifier, Chairmans
  • Circle Qualifier, SVP Club Qualifier, and National
  • Convention Qualifier. We offer free quotes on Auto,
  • Motorcycle, Home, and Life Insurance in NC and focus
  • on Out of state transfers to the Wake County
  • and Johnston County areas.

Our Mission:

The mission of our office is to help people manage the risks of everyday life, recover from the unexpected, realize their dreams, and to be the first and preferred choice for all of your North Carolina Insurance needs. We focus on Auto Insurance, Home Insurance, Renters Insurance, and Life Insurance throughout North Carolina, including Raleigh, Cary, Wake Forest, Clayton, Garner, Smithfield, Selma, and Knightdale.

Our Team:

Team Member Profile Photo Bethany Weaver
Bethany Weaver
Customer Service Representative
I grew up in and still live in Clayton. I have been a State Farm Agent Team Member since 2009 and very much enjoy my job! I am married and have 2 beautiful children. The beach is my most favorite place to go and I love doing crafts!
Team Member Profile Photo Joe Burgess
Joe Burgess
Personal Account Representative
I am part of Chad Richards team in his Clayton, NC office. I am licensed in property, casualty, life and health.
Team Member Profile Photo Patty Gardner
Patty Gardner
Personal Account Representative
Patty brings over 30 years of industry experience with her and a deep understanding of the needs of individuals seeking services. Patty is available to sit down with new and existing customers to discuss their current situation and help to plan for the future. Patty loves spending time with her family, coaching soccer, and volunteering for various charities through her church.
Team Member Profile Photo Cyndi Faison
Cyndi Faison
Office Manager
Cyndi has brought over 27 years of experience in Property & Casualty, Small Business, Auto, Fire, Life, and Health. She helps keep things running smoothly. She is a native of Eastern NC. In her free time you can likely find her in Raleigh, NC doing a DIY project or looking for shells on the beach.
Team Member Profile Photo Ana Benavides
Ana Benavides
Personal Account Representative
Ana brings positive upbeat energy to our office. She is experienced in Auto Insurance, Homeowners Insurance, Life Insurance, and Health Insurance. She moved from El Salvador to Raleigh, NC 23 years ago. She is married and has four children. Her hobbies include dancing, fishing, and playing soccer.
Team Member Profile Photo Lee Cowell
Lee Cowell
Customer Service Representative
Customer Service Representative Lee joins our team with over 25 years of business, service, and insurance experience. He enthusiastically applies his experience to help our State Farm customers understand and navigate their insurance needs. Originally from Ohio, Lee and his wife settled in the Triangle area over 20 years ago and proudly call it home. Lee enjoys cooking, watching football, watching his grandkids play basketball, and taking trips to the beach.
Team Member Profile Photo Daniel Brown
Daniel Brown
Personal Account Representative
Daniel is a Raleigh native who was raised just 5 minutes from the Raleigh office. His focus is on removing roadblocks for people in the pursuit of their goals. Outside of the office Daniel enjoys nature and training in Krav Maga.

Agent's Credentials and Licenses:


We're Hiring

It could be the beginning of an exciting career.
This opportunity is about potential employment with an independent contractor agent who solicits application for State Farm products and services, and does NOT result in employment with any of the State Farm Companies. The employment selection decision, terms and conditions of employment (such as compensation and benefits) are all determined solely by the independent contractor agent.


Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses which can be obtained by visiting the prospectus page on Read it carefully. AP2022/03/0343

Securities distributed by State Farm VP Management Corp. State Farm VP Management Corp. Customer Relationship Summary

Securities Supervisor address:6320 Quadrangle Dr Ste 200 , Chapel Hill, NC 27517-7890 Phone: 919-789-3710

Deposit products offered by U.S. Bank National Association. Member FDIC.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

Pet insurance products are underwritten in the United States by American Pet Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit For additional information and disclosures concerning Pet insurance please see Pet Insurance From State Farm® and Trupanion®. State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates, neither offer nor are financially responsible for pet insurance products.  State Farm is a separate entity and is not affiliated with Trupanion or American Pet Insurance.

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.