We make insurance simple and personal — helping you understand your coverage, compare top carriers, and get protection that truly works when life happens.
Since 2003, Rocky Mountain Insurance Advisors (RMIA) has been proudly serving Colorado families and businesses from our home base in Castle Rock. As a family-owned, independent insurance agency, we represent top-rated carriers and provide honest, personalized advice for every client we meet.
Our founder, Robert (Bob) Willig, leads with a mission rooted in Biblical-Christian principles — to operate with integrity, serve with excellence, and protect what matters most to our clients.
We believe that true insurance advising begins with listening. Before offering solutions, we take the time to understand your goals, identify risks, and build coverage that brings peace of mind.
Small Agency Service. Big Agency Capabilities.
That’s the RMIA difference.
We cannot meet your needs until we first discover them. We understand you want the lowest premium possible. Let’s first discuss coverage… what you currently have in place, and more importantly what you currently do not have in place but probably should!
We are not a “one and done” agency… think State Farm, Farmer’s, Allstate. As an Independent Insurance Agency, we represent multiple carriers with no allegiance to any one of them over the others. In other words, we have freedom of options and aren’t afraid to use them!
We bring a solution, discuss it, refine it as needed and ultimately engage our carriers to implement coverage on your behalf. We set up your billing preference, deliver your new policies and are also the ones you call for service throughout your coverage term!
Whether personal or commercial, our insurance solutions are designed to protect what you’ve worked so hard to build.
Get personalized coverage, expert advice, and peace of mind — all from a team that truly cares.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
We combine expertise, ethics, and empathy to deliver a superior insurance experience. Our approach is guided by three core values:
We genuinely care about your peace of mind and work to ensure you and your loved ones are fully protected.
Integrity is non-negotiable. We do business the right way — transparent, honest, and ethical.
With over 80 years of combined experience, our team understands how to protect what matters most.
As an independent agency, we shop multiple carriers to find the best coverage at the best price.
No, we proudly serve clients across Colorado — including Castle Pines, Parker, Highlands Ranch, Monument, and Denver.
Absolutely. We’ll review your existing policy, identify gaps or overlaps, and help you transition smoothly.
Home age/roof type, wind/hail deductible, wildfire mitigation, distance to hydrants, drivers and mileage (I‑25 commuting), loss history, and chosen limits/deductibles. We’ll price these across multiple carriers for you.
Often, yes—many carriers discount bundled policies and may add conveniences like a single deductible for a single event. We’ll show you the math so the savings don’t sacrifice coverage.
In Colorado, wind/hail deductibles may be percentage‑based. We’ll walk through scenarios so you know your out‑of‑pocket before a storm hits, and whether an impact‑resistant roof credit applies.
Homeowners (HO): covers the dwelling + belongings + liability. Condo: typically “walls‑in” (interior finishes/contents) because the HOA covers the building shell. Renters: covers your belongings + liability (the landlord insures the structure). We coordinate with HOA master policies.
If your total assets or risks (teen drivers, rental property, pool, public‑facing work) exceed your base liability limits, an umbrella adds affordable $1M+ protection across home/auto. We’ll show options and requirements. (General guidance; we tailor by household.)
We advocate for you—answer questions, coordinate with the carrier, and help you understand next steps through repairs or liability reviews. That’s part of our service model.
We know insurance can be confusing — here are answers to some of the most common questions we hear.
Let’s discuss your coverage goals, explore your options, and find the perfect plan for your needs. We’re ready to serve you personally — with small-agency attention and large-agency capabilities.
