You may have insurance. But do you have the RIGHT insurance?

Too many people buy insurance based on price alone, without understanding what they're covered for — or worse, what they're NOT covered for.

That's not how we do business.

At the Ric Bergstrom State Farm Agency, we work directly with individuals and families to understand their needs, identify potential gaps in coverage, and help them make informed decisions about protecting what matters most.

We don't believe in one-size-fits-all insurance. We believe in getting it RIGHT.

With more than 35 years of State Farm experience, including years spent handling property claims, I saw firsthand what happens when people discover they don't have the coverage they thought they had.

I started my State Farm career in 1990 handling claims. I saw major house fires, hail, tornados and flood.

In 1997, I became a State Farm Agent in Richmond, Virginia. Since then, my team and I have helped individuals, families, and businesses make better-informed insurance decisions.

I'm also a proud graduate of Virginia Tech's School of Business, Class of 1987. Go Hokies!

HERE'S WHAT I WANT YOU TO DO TODAY:

Don't wait until you have a claim to see if you have coverage.

Whether you need Auto, Home, Life, Renters, Umbrella, Boat, RV, Motorcycle, or Business Insurance, we want to help you understand your options and make sure your coverage fits your needs.

Already insured somewhere else? That's fine. Let us give you a second opinion. You may discover gaps you didn't know existed, or opportunities to improve your protection.

TAKE ACTION TODAY.

Start an insurance quote or call our office . You can even text us copies of your current policies at our main office phone. Then talk with a team that takes the time to understand YOU, not just sell you a policy.

Proudly serving Richmond, Henrico, Chesterfield, Hanover, Goochland, Powhatan and customers throughout Virginia.

Frequently Asked Questions (FAQ)

Q: How do I get car insurance quotes?

A: You can get car insurance quotes online, by phone, or with a local agent by sharing details about your vehicle, driving history, and coverage needs. Connect with Ric for insurance guidance in Richmond.

Q: How soon can I get insured for my car?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. In Richmond, you can count on Ric for personalized service.

Q: What coverage is required when leasing a car?

A: Leased cars typically require liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. Ric serves Richmond, VA and is happy to help with your insurance needs.

Q: What does home insurance cover?

A: Homeowners insurance can help protect your home, your personal belongings, and your finances. It typically includes coverage for the structure of your home, your belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered loss. Ric is here to help your Richmond household feel covered.

Q: What should I know about life insurance?

A: Life insurance helps provide financial support to your beneficiaries and can help cover expenses like debts, living costs, or future needs. Looking for coverage? Talk with Ric about your options in Richmond.

Q: What's included in renters insurance coverage?

A: Renters insurance can help cover your personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable due to a covered loss. Ric is proud to serve the Richmond community.