Your Insurance Questions — Answered Clearly.
Below are answers to some of the most common insurance questions we hear from Castle Rock families and Colorado business owners.
It means we’re not tied to one carrier. RMIA shops multiple top-rated companies to find the right balance of price and protection — so you always get options, not sales pressure.
At least once a year or whenever major changes occur — new home, car, job, or business updates. We make reviews easy with annual coverage checkups.
Insurance rates are influenced by state-wide trends like severe weather (hail, fire), inflation, repair costs, and claims in your ZIP code. RMIA regularly re-quotes policies to keep rates competitive.
A deductible is the amount you pay before insurance kicks in. A higher deductible usually means a lower premium, but we help find the sweet spot that balances cost and protection.
Replacement Cost = brand-new replacement with no depreciation.
Actual Cash Value (ACV) = the depreciated value of your property at the time of loss.
We help you decide which option best fits your protection goals.
Simple — you call us. We’ll coordinate directly with your carrier and guide you through the process, no matter which policy the claim falls under.
Below are answers to some of the most common insurance questions we hear from Castle Rock families and Colorado business owners.
Essential coverages include Homeowners (or Renters), Auto, Umbrella, and Life Insurance. Many also add Flood or Earthquake coverage for complete peace of mind.
Yes. Your landlord’s policy protects their property, not your belongings or liability. Renters insurance is affordable and essential.
Standard limits may be low. We can add a scheduled personal property endorsement to fully insure high-value items.
Yes — but only if you have comprehensive coverage on your auto and wind/hail on your homeowners. We make sure both are included before storm season hits.
It’s extra liability protection (usually $1M+) that extends over your home, auto, and recreational policies. It’s highly recommended for anyone with a home, savings, or teen drivers.
Bundle home and auto, raise deductibles, maintain good credit, and install protective devices like monitored alarms or impact-resistant roofs.
Below are answers to some of the most common insurance questions we hear from Castle Rock families and Colorado business owners.
Most Colorado businesses need General Liability, Commercial Property, and Workers’ Compensation. Others may need Cyber, E&O, or Commercial Auto depending on operations.
A BOP combines general liability, property coverage, and business interruption protection in one affordable plan — perfect for small and mid-sized businesses.
Commercial auto covers vehicles used for business — including employees, equipment, or deliveries — with higher limits and broader protection than personal policies.
Yes — if you have one or more employees, it’s mandatory. It covers medical expenses and wage replacement for workplace injuries.
General Liability: Covers physical injury or property damage.
Professional Liability: Covers financial loss due to professional advice or service errors.
It provides extra liability protection beyond your other business policies. Ideal for contractors, property owners, and anyone with large contracts or fleet exposure.
Below are answers to some of the most common insurance questions we hear from Castle Rock families and Colorado business owners.
Hail and wind damage, auto collisions along I-25, and occasional wildfire or water damage are the most frequent claims we see.
Frequent hailstorms make Colorado one of the costliest states for roof claims. RMIA helps manage this risk with impact-resistant roofing credits and smart deductible structures.
The driver responsible for the accident (and their insurer) pays for damages. Uninsured/underinsured motorist coverage helps if the at-fault driver lacks adequate insurance.
Yes — standard homeowners policies cover fire, but some mountain or WUI (Wildland-Urban Interface) areas may face higher premiums or special conditions.
Currently:
$25,000 bodily injury per person
$50,000 per accident
$15,000 property damage
We recommend higher limits for real protection against rising costs.
Yes! We serve clients all across Colorado — from Denver and Colorado Springs to mountain towns like Monument, Larkspur, and Highlands Ranch.
Our advisors are here to explain every detail and help you make confident insurance decisions.
