Welcome! We are proud to serve NJ, NY, PA, & DE with State Farm auto insurance, home insurance, renters insurance, life insurance, business insurance, and financial services.

November is a great time to prepare for colder weather, holiday travel and the changes that come with the end of the year!

• Home Insurance: As temperatures drop, November is a good time to check gutters, outdoor faucets, heating systems, smoke alarms and carbon monoxide detectors - and review whether anything has changed around your home this year.

• Auto Insurance: Holiday travel, earlier sunsets and changing weather can mean more time driving in different conditions. The Richard Fernandez State Farm office can help with auto insurance questions and coverage reviews.

• Life Insurance: Thanksgiving is a natural reminder of the people who matter most. Family changes, a new home, a new job, or growing financial responsibilities can all be good reasons to revisit life insurance coverage and beneficiaries.

• Business Owners: Protecting a business goes beyond the building. Property, equipment, inventory, day-to-day operations, and your people can all change over time. Let's discuss.

• Holiday Shopping: New electronics, jewelry, collectibles, and other valuable holiday purchases may be worth adding to your household inventory. Keep receipts and photos someplace secure. Let's protect those.

Call us, meet us virtually, or stop our office at 469 Morris Ave., Summit, NJ to review the many insurance options available for you.

Whether you’re starting a life insurance plan or just making sure your current auto and home coverages still fit your needs, we’re here to help you make confident, caring choices for your family.

Let’s make sure the ones you love are protected -this month and always. Let's chat.

Life insurance provides financial security for loved ones in case of unexpected events, ensuring that, no matter what surprises life throws your way, your family is protected.

Commercial insurance should be comprehensive and up to date to meet your current protection needs.

Auto insurance is essential for protecting against accidents and damages that can occur on the road, especially with unexpected weather conditions that affect driving conditions.

Fire insurance is equally important, as it safeguards homes and belongings from the potential devastation of fires, a risk that is often overlooked until it’s too late.

Welcome to the Richard Fernandez - State Farm Office! We want to express out heartfelt gratitude to our community and customers. We are truly honored to serve our wonderful New Jersey, New York, Pennsylvania, and our Delaware neighbors. Your support has been the cornerstone of our success, and for that, we're incredibly thankful.

I am thrilled to be your local State Farm Agent! A bit about me: I am a first-generation, Dominican American graduate of Binghamton University and St. John’s University for my MBA in Finance. I led the development of a foundation directly linked to my Alma mater endowment to provide education scholarship awards to deserving students. Before State Farm, I was an 18+ year Wall Street veteran in the Asset & Wealth Management space covering global financial hubs including London, Singapore, Hong Kong, Geneva, Brazil, and Miami. I credit my family and close friends for all their support on my journey to State Farm as it fulfills my desire to work closely with local communities on financial and insurance education. My hobbies include reading and running. In 2023, I completed my 7th full marathon (Tokyo), including the prestigious 6 World Marathon Majors. I am a member of Lambda Upsilon Lambda Fraternity, Inc.

I am licensed and experienced to assist for your financial and insurance needs. My team is friendly and licensed with Property, Casualty, and Life insurance licenses as well. We provide free auto, renters, home, and life insurance quotes for New Jersey, New York, Pennsylvania, and Delaware. Providing accurate quotes is one of our key goals. We offer multi-car and multi product discounts on your insurance quotes. We can review your life insurance plans and family needs. We are proficient in helping customers relocate their insurance to Union County, NJ. We are your local good neighbor in New Jersey including Union, Hudson, Essex, Middlesex, Somerset, and Morris Counties. Please give our office a call at your earliest convenience.

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. Our team is here to help.

Q: How quickly can car insurance coverage start?

A: Car insurance coverage can often start the same day, depending on your situation. Have questions? Our team can walk you through your options.

Q: What kind of insurance do I need for a leased vehicle?

A: Leased cars typically require liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. Richard and his work with NJ, NY, PA, and DE residents to find coverage that fits.

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. Connect with our team for insurance guidance.

Q: What exactly is renters insurance and how does it work?

A: Renters insurance is coverage that helps protect your personal belongings and provides personal liability protection while renting a home or apartment. You can count on our team for personalized service.

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. Richard and his team are here to help you and your family feel covered.