The personal insurance specialists at Richards Middlebury are making a difference every day.

(802) 388-4992

No matter how price competitive the insurance program is, it's people who will make a difference. There is a common misconception that insurance is a commodity and you can purchase an insurance policy from anywhere. Have you ever read an insurance policy? It's complicated. And when not understood correctly, can leave you without the coverage you thought you bought. Whether you are sitting down with us to discuss insuring your first home, or looking to get the best rate to insure your vehicle, the insurance specialists at Richards in Middlebury, VT (formally known as Holden Insurance) are here to listen to your concerns and offer suggestions on the protection you require.

When you work with the insurance specialists at Richards, you experience the right people working together to complete your financial puzzle.

Heather Barnard

Reach me direct at 388-4992, x229

Mother of three, promoter of living happy & healthy.

Heather has over 22 years of insurance experience from producing to underwriting. Believing in keeping kids active, Heather devotes her time to the Starksboro Sports     Program coordinating seasonal sports for elementary aged children. She volunteers for the United Way and other local non-profit    agencies. When life finally slows down, Heather enjoys settling in with an inspiring book, like the Compound Effect by Darren Hardy.

It’s gratifying to help a client through the claim process and put their mind at ease.”
— Heather

Lois Deitz

Reach me direct at 388-4992, ext 221

Loving grandmother of three beautiful grandchildren and avid reader.

A third of Lois’s 27 year insurance career has been spent working with our agency. Each year Lois involves herself in United Way Days of Caring, giving a hand to members of the community. When off the clock Lois prefers to spend her time with family doing      whatever or nothing at all. Her favorite vacation spot is anywhere that has an ocean.

When I get a “you’ve been very helpful” from a frustrated client with a billing challenge, I am reminded why I am in customer service.
— Lois

Gretchen Kellogg

Reach me direct at 388-4992, ext 233

Proud mother of two daughters and jewelry designer.

Shortly after graduating from Champlain College, Gretchen followed in her father’s footsteps and joined the agency in 1994. She is currently a member of Middlebury Rotary Club and has served on the school board. A true sun worshiper, she spends much of her summer on Lake Dunmore. Gretchen’s hobby is in designing and making jewelry that is adorned by her friends, family and co-workers.

I get to experience meeting new people every day, that’s why I love what I do.
— Gretchen