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Our customers are the center of our universe and we’re grateful for them. If you’re willing to share your experience about your interaction with our agency, it’ll be a great help for other people looking to make smart and confident decisions about their insurance and financial services.

Take 60 seconds (or more if you want) to share your story by clicking on one of the review links below.

What our customers say about us...

patty cobb

September 23, 2023

5  out of  5 rating by patty cobb
"I have been with Ray @ Stare Farm for many years and have been extremely happy with him and his team. Sheryl has been wonderful and responsive in helping me with any questions that have come up. Recently she and Ray were quick to assist me with my car. Effortless and always responsive ."

Cheryl Carlyon

September 19, 2023

5  out of  5 rating by Cheryl Carlyon
"Responsive, knowledgeable and friendly"

Ben Bunnell

September 8, 2023

5  out of  5 rating by Ben Bunnell
"Ray's been our insurance agent since 2007, and has been great to work with. He and his team are responsive to questions, proactive about ways to help cut our premium costs, informed about what kinds of insurance are appropriate as our family grows and changes, and very helpful with making claims process quickly and fairly. I enthusiastically recommend him to anyone looking for an insurance agent."

Robyn Wright

September 1, 2023

5  out of  5 rating by Robyn Wright
"Ray has been our agent for almost 30 years, and he and his staff have always been extremely helpful, even when we needed to get coverage right away for personal articles while on a trip out of the country, or when dealing with a claim of any kind. Sheryl in his office answers the phone promptly and is always prepared to assist me on the spot with whatever I need. She is very knowledgeable and guides me in the right direction. Over the years, I've never spoken with any staff in his office that have not been extremely helpful and prompt in getting back to me. Strongly recommend this office."

Matthew Clark

August 31, 2023

5  out of  5 rating by Matthew Clark
"Melissa was incredible. On short notice (same day!) she sat with me and patiently answered all my questions and found us a homeowners policy that met our needs."

Erin Gardner

August 28, 2023

5  out of  5 rating by Erin Gardner
"I've recently worked with Melissa, who is a member of Ray's team, and she has been very thorough, responsive and takes the initiative to follow up as appropriate to confirm all is complete and accurate."

Tess Dixon

August 27, 2023

5  out of  5 rating by Tess Dixon
"Ray has handled our insurance for about a decade now, and is always honest, kind, and responsive. He's never pushy, which is worth a lot since there are many insurance agents for whom "pushy" would be an understatement! I highly recommend him to anyone looking for an experienced, local insurance agent in Richmond."

Katharine Ross

August 23, 2023

5  out of  5 rating by Katharine Ross
"I've been a client for decades with both home and auto. Ray and his team have been fantastic to work with each and every time life has gone sideways. Their personal service and timely communications have made those challenging times easier to navigate."

Tim Hobbs

August 18, 2023

5  out of  5 rating by Tim Hobbs
"Melissa, Love working with Melissa. She always provides the answers to my questions and checks back in when changes to policy come up."

martie wiedeman

August 10, 2023

5  out of  5 rating by martie wiedeman
"Ray is a great agent. He was willing to take the time and listen to my concerns and then offer appropriate solutions which ultimately provided better coverage and better rates. I would highly recommend him if you are looking for a new agent."

Michael Foster

August 9, 2023

5  out of  5 rating by Michael Foster
"Melissa and the Ray Garfinkel team have helped me through a car accident, the purchase of a first home and the purchase of the second home. They've made everything as easy as possible on me."

Charlie Detruit

August 8, 2023

5  out of  5 rating by Charlie Detruit
"I have been a client of Ray's since I moved to Richmond 33 years ago. What I like best about Ray and his team is they constantly reach out to me about new offerings and how I can better my insurance portfolio. You can shop around for price and be just another customer or you can build a relationship with your insurance agent who will always look out for your best interests. This is why I recommend Ray and continue to be a loyal customer."

Andrew Moon

August 7, 2023

5  out of  5 rating by Andrew Moon
"Melissa (the person I talked to) did a great job with our transition from an apartment (apartment insurance) to a house (home owner's insurance). She even called to remind me about a bill and was easy to talk to. This helped an otherwise stressful transition."

Nichole Brooks

August 3, 2023

5  out of  5 rating by Nichole Brooks
"Ray and his team takes good care of me and my family. I recently switched my renters insurance to state farm along with my life insurance, and Ray took great care of me in no time! I truly appreciate Ray and the team for being so patient and kind with me and it's a pleasure working with you all."

Conor “JJameson179” Jameson

August 1, 2023

5  out of  5 rating by Conor “JJameson179” Jameson
"Always super friendly and helpful!"

Bernie Mann

July 31, 2023

5  out of  5 rating by Bernie Mann
"Ray and his team are always great to work with. My family has been a customer now for 34 years, and they have always given us great customer service. Sheryl is excellent to work with to answer questions about coverage or handle any issues you may have!"

Jack W

July 29, 2023

5  out of  5 rating by Jack W
"Melissa was super responsive and helpful!"

Cindy Gino

July 27, 2023

5  out of  5 rating by Cindy Gino
"Ray has been our insurance agent for more than 25 years. He is quite knowledgeable but mostly he is sensible and knows what is reasonable for his customers. Ray strives to treat his customers like family. Hoping for another 25 years!!!"

Amie Elmore

July 27, 2023

5  out of  5 rating by Amie Elmore
"State Farm has served our family for over 20 years! And Ray has been a big part of that. His prompt attention, thoughtful consideration and genuine desire to understand, and then serve our family's needs has been evident time and time again."

Philip Cross

July 19, 2023

5  out of  5 rating by Philip Cross
"Very quick and helpful in setting up insurance. Sheryl was great in answering questions and helping me build the right policy."

Davis Helms

July 19, 2023

5  out of  5 rating by Davis Helms
"Happy customer of Ray’s for over 20 years. Always helpful when we call, and gets us the best deals available."

Lauren H

July 13, 2023

5  out of  5 rating by Lauren H
"The team was so helpful in helping me get my car insurance set up."

Chris Schmied

July 13, 2023

5  out of  5 rating by Chris Schmied
"I've been a client of his agency for more than 10 years now. I keep my business local whenever I can. I've always received excellent customer service with them."

Adam W

July 5, 2023

5  out of  5 rating by Adam W
"I contacted Ray on short notice for renter's insurance for a move-in only 2 days in advance, and he got me taken care of in under 20 minutes, start to finish, and for an extremely reasonable price. I couldn't be more satisfied with both Ray and State Farm as a whole"

fontaine Williamson

June 15, 2023

5  out of  5 rating by fontaine Williamson
"Melissa is always thorough, helpful and attentive to our needs. This is a great office to work with. Thank you for treating us with great customer service!"