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Richard James

Richard James Agency Inc

  • address

    1252 Ellis St
    Bellingham, WA 98225

  • office hours

    8:00 am to 5:00 pm
  • Phone numbers

    Office: (360) 676-0224
    Fax: (360) 671-3894
  • Languages we speak

Why My Agency

Meet my Office

Judy- I have been told my professionalism and willingness to listen to clients needs is excellent. Whether you are insuring your first home, a rental property or just needing an aut…


Landlord Protector Insurance

Landlord protector insurance is going to decrease effective October 16th 2011 according to Richard T James Insurance Agency. The reason for this decrease is that a better than expect…

From My Desk

Purchasing Auto Insurance

Since 1982 the Richard James Agency has been a leader in serving the needs of his clients in the Bellingham and surrounding Whatcom, Skagit and Island Counties. The Richa…



Judy K Larson, Personal Insurance Agent



I pride myself on the professionalism and willingness of taking care of my clients needs.Whether its homeowners insurance, an auto insurance policy or you purchase your first rental property my goal is to make sure that your needs are met for price and coverage. Having been an Insurance Agent with the Richard T James Agency for 12 years and lived in Whatcom County, I currently reside in Ferndale. My passions are gardening, riding my motorcycle, being involved in my community and local charities like the Arthritis Foundation. I love what I do , give me a call and let’s find out what I can do for you .


Kyle Mifflin

(360) 676-0224

Kyle Mifflin is a hard working part of our insurance team. He is always happy and ready to help anyone coming through the door. Contact us today! 


Richard James - Owner

(360) 676-0224

Richard James started his agency in 1982 and has been the happy owner ever since. He is usually meeting with clients or quoting accounts. You can come in and meet with him and get all of your insurance needs and questions answered! 


Cassi Jordan

(360) 676-0224

Cassie is the newest member of our insurance team. She is great with getting you the information you need. Come and meet with her. She would love to get you setup or help you with your insurance needs.

  • Richard James -
  • Richard James - <pre>Richard James Agency Office on the Corner of Holly and Ellis St. Come in today!</pre>
    Richard James Agency Office on the Corner of Holly and Ellis St. Come in today!
  • Richard James - <pre>The 2015 Richard James Agency Team.  Kyle, Richard, Cassie and Judy!</pre>
    The 2015 Richard James Agency Team.  Kyle, Richard, Cassie and Judy!
  • Richard James - Have you thanked a teacher today? Go to
    Have you thanked a teacher today? Go to


Pet Owner?

Pet Owner?

Farmers customers can protect their furry family member and save 5% with pet insurance from Pets Best.

Business Insurance

Business Insurance

At Farmers, we recognize the characteristics of your business and will work to provide unique, customized coverage at an affordable price.

Home Insurance

Home Insurance

Your home is probably one of your biggest financial investments. Before you find yourself in an emergency, let us help you find any gaps in your insurance coverage.

Farmers Identity Shield<SUP>SM</SUP>

Farmers Identity ShieldSM

With identity theft becoming more common and costly, having Farmers Identity Shield may give you some peace of mind for only pennies a day.

Auto Insurance

Auto Insurance

Farmers® has dozens of discounts that could save you hundreds of dollars on your Car Insurance.

Farmers<sup>®</sup> Racing

Farmers® Racing

Farmers® Insurance showcases Kasey Kahne, the No. 5 team’s Plan to Perform and how Farmers can help consumers to their own “Victory Lane” when it comes to their insurance needs.

Life Insurance<sup>1</sup>

Life Insurance1

Our goal is to help you choose a Life insurance1 policy that fits your needs, while staying within your budget.


About Me

Your local Bellingham Agent - Richard James

Richard James is your local Bellingham Insurance agent. He has been helping customers for 28 years and has helped the local community with their insurance needs for many years. He is …

why My Agency


If you’re interested in a fun career in a fast-paced work environment, please feel free to contact our agency!

Insurance Products

  • Auto

    America's finest Agents, quote and buy online, great discounts and best in class claims service.

  • Home

    Get a quote online and work with a Farmers Agent to find the right coverage for your property and unique needs.

  • Life1

    Tough questions. Simple answers. Farmers® makes it simple to understand Life insurance.

  • Business

    Farmers® offers flexible Business Insurance that reflects the unique characteristics of your business.

  • Motorcycle

    It's about the open road, leather and chrome, bugs in your teeth. When you're out riding, the last thing you want to worry about is whether you have the right insurance policy.

  • Recreational

    Farmers© is an industry leader in Specialty insurance products. We've spent the last 60 years getting to know the outdoor enthusiast.

  • Renters

    Get a quote online and work with a Farmers Agent to find the right coverage for your property and unique needs.

  • Umbrella

    Life is unpredictable. You never know what might happen. If the unexpected happens, Farmers© can help ensure you have the coverage you want to protect your family's assets.

Community Involvement

Community Partners

To better serve our local communities, Farmers works hard to partner with nearby organizations to meet the needs of our neighbors. You will find that many Farmers agents are actively involved with city councils and chambers of commerces. Read More

Local Businesses

Here are some of my personal recommendations for businesses in our area. Please feel free to mention you were referred through me. Read More

Farmers® Community

Giving back to the community is part of the Farmers® brand. It’s the foundation on which our trust and respect securely rests. Farmers supports numerous national, regional, and local programs in the communities that we're a part of. By helping these organizations, we help our community. That's why we volunteer our time, talents, and resources and that's how Farmers continues the legacy that its founders envisioned.... Read More

Frequently Asked Questions

  • AUTO
    • What if I let someone else drive my vehicle and they get into an accident?
    • What do I do if I am in a car accident?
    • What do I do if my car breaks down?
    • Will my policy be canceled if I get into an accident?
    • Am I insured if I am driving someone else's vehicle?
    • Do I have insurance if I am renting a vehicle?
    • Will my premiums go up a lot if I get into an accident or get a speeding ticket?
  • Homeowners & renters
    • What if my home is burglarized?
    • If I add safety features to my home can I get discount2 on my insurance?
    • What happens if I have a fire in my home or my home is completely destroyed in a fire?
    • What if someone has an accident on my property or my pet bites someone?
    • What if my home is damaged in a storm?
    • What do I do if a flood has destroyed my home?
    • What if my home is wrecked in an earthquake?
    • What if I become a victim of identity theft?
    • What if a pipe bursts and water flows all over the place?
  • Life1
    • What happens to all of my assets if I die?
    • What if I lose my job?
  • Business
    • Do I need to cover my building if I rent?
    • Which policy is best for my business?
  • Motorcycle
  • Recreational Vehicles
    • Are modifications that I make to my vehicles covered?
    • What types of coverage do I need?
  • Specialty Products
    • What if my RV breaks down, do I have towing coverage?
    • What type of coverage do I need for a travel trailer?
  • Financial*
    • Which investments will give me the most money for retirement*?

Contact Me

Richard James Farmers Insurance profile image

Richard James

Richard James Agency Inc

(360) 676-0224

1252 Ellis St
Bellingham, WA 98225

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