PERSONAL INSURANCE
Insurance should protect your life, not complicate it. At RPM Agency, we help Colorado individuals and families find straightforward personal coverage built around real needs. From homes to vehicles to future planning, we make insurance clear, accessible, and easy to trust.
Homeowners Insurance
Protect your most valuable asset against fire, theft, hail damage, and more with customized policies that fit Colorado homes. We help you navigate everything from basic coverage to extended replacement options.
Renters Insurance
Even if you don’t own your home, your belongings still deserve protection. Our renters insurance policies cover your valuables and provide liability coverage at affordable rates.
Auto Insurance
Whether you’re commuting across Denver or heading up to the Rockies, we offer auto insurance that protects you from accidents, weather, and unexpected events—both on and off the road.
Motorcycle Insurance
From weekend rides to daily commutes, our motorcycle coverage protects your bike, your gear, and your adventures with policies built for Colorado’s unique driving conditions.
Umbrella Insurance
Sometimes your basic policies aren’t enough. Umbrella insurance provides additional liability protection, giving you peace of mind against major claims and lawsuits.
Life Insurance
Life insurance isn’t just for now—it’s for the future. We’ll help you find flexible, affordable plans that safeguard your loved ones’ financial security through every stage of life.
Frequently Asked Questions
What types of personal insurance are most important in Colorado?
In Colorado, homeowners, auto, and umbrella insurance are some of the most important policies to carry. Severe weather events like hailstorms, floods, and wildfires make having strong property protection crucial. Auto insurance with comprehensive coverage is also key due to heavy traffic and unpredictable mountain weather. An umbrella policy provides an added layer of financial security for unexpected liability claims.
How much homeowners insurance coverage do I need in Denver?
Homeowners in Denver should secure enough coverage to rebuild their homes at today’s construction costs, not just the original purchase price. Because Colorado is prone to wildfires and hail, we recommend full replacement cost coverage along with endorsements for weather-related risks. It’s also important to have enough additional living expense coverage if you’re temporarily displaced after a loss. Our team helps you assess your home’s specific needs to avoid costly gaps.
Is auto insurance different in Colorado compared to other states?
Yes, driving conditions in Colorado often require more than just the minimum state-required coverage. Enough comprehensive insurance is highly recommended because of risks like hail, deer collisions, and uninsured drivers. Additionally, winter driving conditions on mountain roads can increase the chances of accidents. Having a well-rounded auto policy provides better financial protection year-round.
Do I need renters insurance if my landlord has insurance?
Absolutely. A landlord’s policy typically only covers the structure of the building, not your personal belongings inside. Without renters insurance, you could be left paying out of pocket for damaged furniture, electronics, and valuables after a fire or theft. Renters insurance also provides liability protection if someone is injured in your rental unit.
What is umbrella insurance and do I really need it?
Umbrella insurance offers extra liability coverage that goes beyond your homeowners, auto, or renters policies. It’s designed to protect you against large claims or lawsuits that could otherwise jeopardize your savings, home, or future earnings. Many Colorado residents choose umbrella coverage for added security, especially if they own property, travel frequently, or host guests. It’s a smart, affordable way to extend your overall protection.