Scott Richardson

Helping people feel confident about their coverage is at the core of how I serve this community. I’m Scott Richardson, and through my State Farm office in Ames, IA, my team and I work with individuals, families, and business owners to help them prepare for what’s ahead with clear guidance and dependable local support.

I’m a United States Army Veteran and hold both a Bachelor’s degree and an MBA from Penn State. I’ve proudly served with State Farm since 2006, bringing experience and steady perspective into every customer conversation. I’m married and the proud parent of four children, and being involved locally is important to me. I serve on the board of the Boys and Girls Club in Ames and stay active with the Ames Chamber of Commerce and Rotary, which keeps me closely connected to the community I serve.

Our office assists customers throughout Story County, IA, including Ames, Gilbert, Boone, Nevada, Huxley, and Slater, and we regularly help with relocations to Ames, including ZIP codes 50010 and 50014. Whether someone is settling into a new home, supporting a business, or reviewing coverage they already have, we focus on making the process straightforward and easy to understand.

My team and I assist with Auto, Homeowners, Condo, Renters, Business, and Life coverage, along with options for Motorcycle, Recreational Vehicles, Boat, and Pet needs. When appropriate, we bring coverage together through a Personal Price Plan® based on your selections, helping you see how everything works together and feel comfortable with the protection you have in place.

To move forward, call, email, or stop by our Ames, IA office today to review your coverage with my team and take the next step.

Frequently Asked Questions (FAQs)

Q: How can I compare auto insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with a local agent. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs. Looking for coverage? Talk with Scott about your options in Ames.

Q: How quickly can car insurance coverage start?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. Scott is proud to serve the Ames community.

Q: What coverage is required when leasing a car?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Serving Ames and the surrounding area, Scott can help answer your questions.

Q: What's typically covered by a homeowners insurance policy? A: Homeowners insurance can help protect your home, your belongings, and your financial well-being. It may cover the structure of your home, your personal property, and provide liability protection, along with help for additional living expenses in certain situations. Scott, your local State Farm agent in Ames, IA, is here to help.

Q: How does a life insurance policy actually function?

A: Life insurance provides a payout to your beneficiaries if you pass away while the policy is active, helping offer financial protection. Have questions? Scott in Ames can walk you through your options.

Q: What is renters insurance?

A: Renters insurance is a policy designed to help protect your personal belongings and provide liability coverage while you're renting a home or apartment. It focuses on your possessions and potential risks, rather than the building itself, which is typically covered by your landlord's policy. Scott works with Ames residents to find coverage that fits.