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Category Archives: Personal Insurance and Tips

Do I Have Hail Damage? What Should I Do?

Severe weather season in Colorado is still upon us, and the hail storms are not backing down. Thousands of homes and businesses throughout the area have seen extensive damage from the violent weather.  Were you in an area that was hit hard? If so, most likely you will have numerous roofing contractors ringing your doorbell offering to inspect your roof ... Read More »

What You Should Know About Flood Insurance

You’ve probably heard this horror story before — someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn’t cover flood damage. Our agency wants you to be educated about all of the risks you may face – before a loss occurs – so you can determine what insurance coverage is appropriate. Spring ... Read More »

Should You Consider Umbrella Insurance?

An insurance coverage that offers you peace of mind. “Should I consider umbrella insurance? Why would I need that? We hear this question a lot. Most people assume that only wealthy people need to have an umbrella policy. While it is true that the more assets you have, the greater your need for umbrella coverage becomes, a good majority of ... Read More »

Fourth of July Safety Tips

For most of us, the Fourth of July is a time to enjoy the company of family and friends, have lots of fun and create memories – whether at home or away on vacation.  Typically, in early July, sparklers, fire crackers and fireworks play a large part of the holiday festivities. While these fire and light displays can create great ... Read More »

Backyard Entertaining Safety Tips

Backyard entertaining has gotten more elaborate in recent years. Fire pits are helping homeowners extend the backyard season, and today’s playsets involve more than a simple set of swings and a slide. Whether backyard entertaining means spending time by the swimming pool or gathered around the grill, here are some safety tips to help keep your oasis fun and free of danger. Garden ... Read More »

New Team Member Spotlight: Kimberley Trotter

RSS is excited to welcome Kimberley Trotter to the team as our newest personal lines account manager. Kimberley has lived in Colorado for 32 years and comes to RSS with 15 years of insurance experience under her belt. She has an outgoing personality and loves to help others! When it comes to her clients Kim says, “I strive for excellence ... Read More »

What Should I Consider When Purchasing Auto Insurance?

When purchasing auto insurance, make sure you find coverage that fits your needs. Think about you and your family’s specific circumstances, including your risk tolerance and your budget. If you aren’t sure what type of things you should consider, read below. Also, call our office so we can assist you and walk you through the auto insurance buying process. Of ... Read More »

RSS Welcomes Summer!

Hello, Summertime! With nothing but warm weather and sunny skies in the forecast, it appears summer is officially here in Colorado. If you’re lucky enough to live in our beautiful state, you know that summertime activities are endless. Whether you’re enjoying a hot dog at a Colorado Rockies’ game, listening to great band at Red Rocks or hosting a barbeque ... Read More »

Severe Spring & Summer Storms are Here…

Do You Know How to Check Your Property for Storm Damage? If you’ve lived in Colorado very long you know how violent many of our wind, hail and thunderstorms can get. Within a moments notice, rumbling thunder turns into damaging winds, destructive hail and flooding gutters and roadways. When one of these storms hit your neighborhood or business, you hunker ... Read More »

Password Security Tips to Implement Today

The Internet has connected us to a world of new experiences, enabling us to expand our boundaries well beyond our physical location. We can visit a virtual art museum, order pizza and check our bank balance, all in one online session. But as much as we can accomplish via the Internet, such experiences can be fraught with peril if we ... Read More »

Honesty: An RSS Core Value

HONESTY: the quality of being fair and truthful: the quality of being honest. It seems pretty straightforward to us at our agency. It’s one of the building blocks of our business.   We conduct ourselves at RSS in a fair and straightforward manner. We don’t take short cuts, we don’t twist or cover up the facts, and we don’t misrepresent our customers ... Read More »

Want to Save Money on Your Insurance? Make Smart Savings Choices

Most people are always looking for ways to stretch their money and to save a little bit extra wherever they can.  When cutting expenses, often times we look to our insurance policies to see if we can save on premiums. Sometimes this includes altering insurance coverages to dangerously low levels or eliminating coverage entirely. If you’re thinking about changing your ... Read More »

Boating Season Safety Tips

Summer is quickly approaching and many lake and water lovers will be bringing their boats out of storage.  We thought it would be a great time to preemptively remind everyone to practice safe boating practices and behaviors.  Sadly, every summer, insurance agents gets calls from their customers after a fun weekend on the water takes a turn for the worse. ... Read More »

Do You Need Rental Car Insurance?

Spring break is almost here! That may mean vacation time and navigating car rentals in your near future. You’ve probably been at a rental-car counter before and experienced a company representative asking you if you want to purchase the company’s insurance. Thoughts start racing through your head. “Is this a rip-off? Doesn’t my regular auto policy cover me? What about my credit ... Read More »

How Condo Insurance Differs from Home Insurance

Know What You Own Before You Buy Condo Insurance Coverage A condominium is different from a house or an apartment – you own part of a building or a property, but not all of it. Insurance for condominium owners is different, too. Just like homeowners and renters, people who own a condo unit want to be insured against financial loss ... Read More »

Love Is In the Air…Are You Planning a Wedding?

Are you hearing wedding bells? If so, you are no doubt in the midst of countless hours of preparation and paying out exorbitant amounts of money for this special day. But what happens if the wedding is postponed or cancelled, or if something happens to the wedding gifts? Weddings are a once-in-a-lifetime opportunity to make a couple’s day special. From ... Read More »

What to Do If You’re Involved in a Car Accident

Being involved in an accident can be a nerve-wracking, disorienting experience.  It’s upsetting and frustrating for sure, but remaining calm, rational and organized will most definitely help you manage this stressful event and possibly insurance claim.  Our agency has created an “Accident Report Guide” to assist you in gathering the information needed in the event of an accident.  While the ... Read More »

Are Insurance Premiums Tax Deductible?

You’ve probably started receiving W-2’s, 1099’s, year-end interest statements, as well as other tax documents in the mail recently. Our favorite time of year is almost upon us (read sarcasm here)…tax season.  Whether you’re a procrastinator, or ready to jump on the those tax filings right away, we will all be looking for deductions to lower our tax burden.  As ... Read More »

Renters Insurance Isn’t Just for Your “Stuff”

Clients often think they don’t need renters insurance — “Nothing I have is worth that much,” they’ll say, or “I don’t have a lot of stuff.” That’s how most people think of renter’s coverage: protection for stuff, and nothing more. After all, it’s inexpensive and it doesn’t even cover the structure itself. So how important can it be, especially if ... Read More »

Good Driver? Low-Mileage? Usage-Based Insurance Will Save You Money

If you’re a good driver who likes the idea of getting discounts on auto insurance based on low mileage and perhaps a few measurements of your driving skills, you might want to consider usage-based insurance. Usage-based insurance (pay as you drive) refers to programs where premiums are determined by how safely, and how much, customers actually drive. Most of the programs involve ... Read More »

Choose an Insurance Agent in Four Steps

Insurance Agent, Greg Beehler

It’s Not Just a Quote, It’s a Relationship Shopping for insurance? You may think you’re simply looking for an insurance policy. But, perhaps, what you’re really looking for isn’t a “what” but a “who” – someone you can trust to guide you through the plethora of insurance choices, rather than trying to make sense of all the options yourself online. ... Read More »

It’s Time for a 2018 Insurance Check Up!

As we welcome in a new year many of us make various New Year’s resolutions.  Many of them are personal, but some of them may be financial.  The start of the new year is a good time to make sure your financial house is in order and  to go through your insurance policies and personal situation to make sure that your insurance ... Read More »

How to Help Prevent Frozen Pipes

Frozen pipes can present an invisible threat – one that you might not recognize until the weather starts to warm. By then, the water damage can be significant and costly. Fortunately, keeping your home warmer, at a consistent temperature, and better insulated can help protect your pipes from freezing this winter. Which Pipes Are Most at Risk? Pipes that are most ... Read More »

Winter Tire Tips

Do You Need Winter Tires? Get Ready Now Before Our Colorado Weather Turns Nasty You know it’s coming. Snow and slush. Freezing rain. Maybe even black ice.  But do you know if your tires are ready for all of that? When driving in the front range and in the mountains in the wintertime, your tires just might be the most ... Read More »

Thinking About Frying a Turkey?

Planning on frying a turkey this holiday season? While fried turkeys may be the favorite part of many American’s Thanksgiving meal, extreme caution should be taken when cooking up the holiday bird.  If the proper techniques and procedures are not taken the results could disastrous and very dangerous.  Here are some safety tips from the CPSC for making your own ... Read More »

5 Things to Consider Before Flying a Drone

You unwrap your new drone, charge up the batteries and can’t wait to test it under the open skies. But there are a few things you need to know before you take flight. Unmanned aircraft are subject to Federal Aviation Administration (“FAA”) rules that govern when, how and where you can fly a drone. They also are subject to state and possibly ... Read More »

The Use of Smart Home Technology in Fire Prevention and Detection

October 8th through 16th is National Fire Prevention Week It’s Fire Prevention Week!  This week was created back in 1925 by President Calvin Coolidge and the National Fire Protection Association (NFPA) continues to be the international sponsor of the week.  In commemoration of the week, our agency would like to share some information about how fire detection and prevention now ... Read More »

Is Danger Lurking in Your Home?

You Don’t Have to Be Handy to Make Your Home More Livable  As we enter October, the month of all things “spooky,” why not take some time to make your home a bit safer, and less dangerous and scary for your family or visiting guests? I think we can all agree, home improvement is a never-ending process for most people, ... Read More »

Do You Have Enough Insurance to Rebuild Your Home?

Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of home insurance. Selecting the proper amount of coverage is the single most important decision you can make with your Homeowners policy. Without it, you may not have enough coverage to ... Read More »

Tell Us What You Think!

We truly appreciate the confidence our clients place in us and love it when they recommend and entrust us to their family and friends. We definitely find working with our customers a very rewarding experience! We also love to hear from our customers directly when they are particularly pleased with an agent or RSS team member. We continuously strive to provide ... Read More »

12 Ways to Lower Your Auto Insurance

One of the most common questions we hear as insurance agents is, “How can I lower the cost of my auto insurance?”  Let’s face it…all of us are trying to save money whenever and wherever we can.  While auto insurance is not only required in our state, but also financially wise for all of us to carry, it can sometimes ... Read More »

Does Your Insurance Cover Catastrophes?

What Is Catastrophe Insurance? If you have been a victim of a major weather storm like Hurricane Harvey, a forest fire, severe hail, flood or an earthquake, you have a pretty good idea of why homeowners, landlords and renters may need catastrophe insurance. These events have occurred with an alarming frequency recently. In fact, on average, about 6% of homeowners ... Read More »

RSS Offers Customized Insurance Plans to Fit Every Customer and Every Need

We love that we can help our customers with ALL of their insurance needs! We love that we are able to conveniently provide our customers with a full array of insurance products and services.  We purposely designed our agency and its departments so that we can offer our clients the convenience of one stop shopping.  Not only do we offer ... Read More »

There’s an App for That! RSSNow & More!

Did you know that you can have immediate and convenient access to your policy information and documents 24 hours a day, seven days a week? In the digital world in which we live, we want to give our customers as many options as possible when managing their insurance needs and questions. We will always desire to have more personal contact ... Read More »

5 Ways to Get Your Car Stolen

Most people would say their car is one of the most valuable assets they own — if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At RSS, we don’t want you walking out your door to an empty driveway or leaving one of our local ... Read More »

How to Correctly File a Home Insurance Claim

No one likes to experience home damage – it can be traumatic and costly, and it can even disrupt your entire life. But, when you do, isn’t it nice to know you have home insurance to help with the covered expenses and repairs? Now, when it comes to taking advantage of your insurance benefits and filing a home insurance claim, ... Read More »

Does Your Insurance Coverage Follow Your College Student?

College is expensive enough without finding out too late that an accident or theft isn’t covered under your current policies. So, as you get your children ready to head off to school this fall, there’s one extra “to-do” you should add to your back-to-school list (other than writing that tuition check): a review of your insurance coverage. It’s important to ... Read More »

RSS Welcomes Anna Pacatte to Our Team

Please meet our newest team member, Anna Pacatte! Anna joined our team as our newest personal lines account manager. She is fully licensed in Property, Casualty, Health and Life insurance, speaks fluent Spanish, and has been assisting clients in the insurance industry since 1989. Anna moved to Colorado from Arizona in June and now lives in Northglenn. She was raised ... Read More »

Register for RSSNow for 24 Hour Policy Access

We are excited to announce that our clients now have immediate and convenient access to their policy information and documents 24 hours a day, seven days a week! In the digital world in which we live, we want to give our customers as many options as possible when managing their insurance needs and questions. We will always desire to have ... Read More »

What Do I Need in a Boat Insurance Policy?

Summer is almost here and boating and water sports season is upon us! Many of us will be headed to the lake to enjoy and soak in the Colorado sun and warmer weather.  The last thing you want to do is stress out when you’re enjoying yourself out on the water. RSS can help make your time spent on your boat more ... Read More »

Severe Spring & Summer Storm Season is Here

Do You Know How to Check Your Property for Storm Damage? If you’ve lived in Colorado very long you know how violent many of our wind, hail and thunderstorms can be. Within a moments notice, rumbling thunder turns into damaging winds, destructive hail and flooding gutters and roadways. When one of these storms hit your neighborhood or business, you hunker ... Read More »

Are Insurance Premiums Tax Deductible?

We’re right in the middle of that time of year we all love…tax season.  Some of us already have all of our information gathered and ready to go and some of us will scramble to get our documents together at the last minute so we can file our taxes. (Oh, and then there’s the select few that have already filed.) Whether ... Read More »

Get Out There and Have Fun! (Don’t Forget Your Motorsports Insurance.)

Motorsports Insurance for your ATV, Dirt Bike, Golf Cart, Snowmobile, and more. There’s no shortage of ways to get outside and enjoy our state in Colorado. Whether you’re hitting the trail, the links, or just the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected. Our agency can help you get the ... Read More »

Know Before You Go: Do You Need Rental Car Insurance?

Spring break is almost here! That may mean vacation time and navigating car rentals in your near future. You’ve probably been at a rental-car counter before and experienced a company representative asking you if you want to purchase the company’s insurance. Thoughts start racing through your head. “Is this a rip-off? Doesn’t my regular auto policy cover me? What about my credit ... Read More »

Invest Wisely in High Value Home Insurance

If you are like most financially successful individuals, you may have a great deal of wealth invested in your home. Typical homeowners insurance policies may not be suitable for your situation. If you have a high value estate with expensive furnishings and valuables, you may need specialized insurance to cover your investments for damage or loss.  At RSS we understand ... Read More »

Insurance from an Artificial Intelligence Bot?

We live in an interesting time and in an interesting world. We have everything at our fingertips. We can Google or search for anything we need. We can easily call a 1-800 number for a variety of services and never have to deal with anyone face to face or create a relationship with a real person. Take it a step ... Read More »

Protect Your Valentine’s Day Jewelry

Will you say “I love you” with a gift of jewelry? Protect it! Ah, Valentine’s Day is near, and love is in the air.  Soon you may be telling that special someone how much you care with gifts such as chocolates, a romantic dinner, candy hearts that say “Be Mine” – and, of course, jewelry. It’s exciting to receive jewelry from ... Read More »

Should You Consider Umbrella Insurance?

An insurance coverage that offers you peace of mind. “Should I consider umbrella insurance? Why would I need that? We hear this question a lot. Most people assume that only wealthy people need to have an umbrella policy. While it is true that the more assets you have, the greater your need for umbrella coverage becomes, a good majority of ... Read More »

10 Tips to Help Prevent Identity Theft

Easy Steps to Help Protect Your Identity Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re shopping at a legitimate site. Your doctor’s office could experience a data breach. Or, you could come ... Read More »

4 Insurance Gaps to Avoid This Winter

How Coverage Gaps Put You at Risk – and What You Can Do About Them Generally speaking, gaps are a bad thing. If there’s a gap in the sidewalk, you may trip and break your arm. If there’s a gap in your data, you may draw the wrong conclusion. And, if there’s a gap in your insurance coverage? You may ... Read More »

New Year Check Up-Help Us Help You!

As we welcome in a new year many of us make various New Year’s resolutions.  Many of them are personal, but some of them may be financial.  The start of the new year is a good time to make sure your financial house is in order and  to go through your insurance policies and personal situation to make sure that your insurance ... Read More »

New Employee Spotlight: Leah Terzulli

Leah joined the RSS team in October of 2016 as our newest personal lines account manager.  She grew up along the east coast (Virginia, Pennsylvania and New York) and moved to Colorado two years ago when she married her husband Chris.  Leah has two sisters and one brother whom live in Texas, D.C. and Colorado. She is fully licensed in Property, ... Read More »

11 Tips For Keeping Your Christmas Tree from Becoming a Hazard

We’ve all heard the lyrics to the Christmas carol, O Christmas Tree. “O Christmas tree, O Christmas tree, How lovely are your branches.” As one of the most recognized symbols of the Christmas season, most of us enjoy the festivity and beauty of our own Christmas tree every year.  While nostalgic, your beautifully decorated Christmas tree can also be a deadly fire ... Read More »

5 Statistics That May Have Auto Rates on the Rise

At RSS we keep an eye on market trends and the state of the insurance industry, so we can better advise and prepare our clients and make sure we’re providing them with the best possible rates and coverage we can find. We want to bring to your attention an auto insurance rate increase trend we think we’re going to see ... Read More »

Slow Down and Save Money

Speeding…it will cost you. Slow down, save money and save lives. How many times has the following happened to you? You’re speeding down I-25 or another local road when you spot a Colorado State Patrol car. You quickly hit the brakes and slow down, relieved that you didn’t get caught … this time.  Now take a minute to think what ... Read More »

Keep Your Home Safe for Trick-or-Treaters

Make your house a haven for trick-or-treaters  Halloween is one of the fall season’s most treasured holidays. Kids love to dress up, get together with friends, and go door-to-door in search of the biggest and best goodies. If your neighborhood tends to be teeming with little ghosts, goblins, superheroes and princesses, you’ll want to be sure your yard and stoop ... Read More »

Teen Driving: Set the Example

Have you ever asked yourself why your auto insurance bill increased significantly after adding your teen driver to your policy? Well, the answer is pretty simple, teens tend to drive in a more aggressive or reckless nature than the average driver. But, before you start lecturing your teen for texting or calling while they’re driving, keep in mind your own ... Read More »

How to Help Prevent House Fires

October 9th through 15th is National Fire Prevention Week It’s Fire Prevention Week!  This week was created back in 1925 by President Calvin Coolidge and the National Fire Protection Association (NFPA) continues to be the international sponsor of the week.  In commemoration of the week, our agency would like to share some important information to help keep you and your ... Read More »

RSS Transitions to a New Agency Management System in October

We are very happy to announce that RSS officially transitioned to a new, upgraded and more comprehensive agency management system on October 7th! Over the last six months the entire RSS team has been working diligently through the transition and training process to move our data to a “next level” management system called Epic. Epic is a cloud-based insurance agency ... Read More »

Steer Clear of Wildlife & Avoid Vehicle-Animal Collisions

America’s roads are full of cars — but often, they’re also full of wildlife. That’s why an estimated 2 million vehicle-animal collisions happen each year, according to the U.S. Department of Agriculture. Fall and winter constitute the most dangerous periods for these incidents. Visibility is reduced, thanks to the shorter days and inclement weather, and it’s also migration and mating season for ... Read More »

5 Ways to Avoid Parking Lot Fender Benders 

Parking lots everywhere can be a great source of frustration and even “road rage.” Unfortunately for most of us, they can’t be avoided and we probably find ourselves and our vehicles parked in one several times a day. Most of us have also had our cars become victim to dings, dents, scratches and sometimes worse damage while other drivers are ... Read More »

Customized Insurance Plans for Our Customers

We love that we can help our customers with ALL of their insurance needs! We love that we are able to conveniently provide our customers with a full array of insurance products and services.  We purposely designed our agency and its departments so that we can offer our clients the convenience of one stop shopping.  Not only do we offer ... Read More »

Most Home Thefts Happen in Broad Daylight

Learn how to be prepared! If you take precautions to secure your home when you leave for work every day and when you leave on vacation, you may be wondering whether it is truly safe from break-ins. There are a number of things you can do, as a home owner, to thwart burglars. A good home security system, for example, ... Read More »

How to Drive Safely in Strong Wind and Rain

Driving in conditions that involve strong or heavy wind and rain may not seem like the most pressing safety concern for many drivers, but safety professionals know that driving in any type of severe weather can significantly increase your risk and potential for a dangerous situation for you, your family and other drivers. Remember that severe weather demands your undivided ... Read More »

Is Renters Insurance Necessary?

There are many reasons people choose to rent rather than buy a home. Whether you are a college student, you are saving up for a down payment on a house, or you simply like the flexibility of apartment living, it is a good idea to become familiar with renters insurance and how it can protect you.  Despite the fact that ... Read More »

Wildfire Season is Here! Are You Ready?

Do you know what to do to prepare for a wildfire? Do you have proper insurance coverages in place to assure your home will be replaced properly if the worst happens? It is critical to make sure you and your family are prepared if you reside in a wildfire prone area.  Each year hundreds of homes are destroyed as more ... Read More »

Insurance Savings Choices

Making Smart Savings Choices Most people are always looking for ways to stretch their money and to save a little bit extra wherever they can.  When cutting expenses, often times we look to our insurance policies to see if we can save on premiums. Sometimes this includes altering insurance coverages to dangerously low levels or eliminating coverage entirely. If you’re ... Read More »

Life Insurance Life Cycles

There’s no perfect time to purchase life insurance Life insurance is one of those things that most people don’t like to think about and it makes them uncomfortable. However, life insurance is a crucial step in planning for your future and the future of your loved ones. While not pleasant to think about, certain life events may trigger your need ... Read More »

Dog Bite Claim Payouts on the Rise

Man’s best friend is the cause of more than one-third of all homeowners insurance liability claim dollars paid out in 2015.  Learn how to reduce your chances of your dog biting someone. Your pet is a member of the family, and you most likely shower it with unconditional love and perhaps treat it like family. Insurance carriers, on the other hand, ... Read More »

Ride-share Drivers: Is Your Insurance Gap Covered?

What Uber & Lyft Drivers Need to Know About Their Car Insurance Ride-sharing is becoming more and more popular and companies like Uber are growing considerably all across our country. Insuring vehicles that are providing ride-sharing services has created quite a lot of discussion over the last year as insurance companies adapt to the need for insurance for this new ... Read More »

5 Tips to Plan the Best RV Route

Plan ahead and find the best RV-friendly routes It’s almost summer time in Rockies and around our beautiful country – prime RV season and a perfect time to explore and experience all of the beauty and history our state and country have to offer! But, even if you know where you want to go, do you know how to get there? After all, ... Read More »

Clean Your Way to a Longer-Lasting Car

Car Wash-Preserving Your Car’s Value Motor vehicle corrosion is a billion-dollar problem in the United States, according to the Federal Highway Administration. And, no wonder. Road salt, tree sap, mud, pollution and even dead bugs and bird poop all contribute to a year-round assault on your vehicle, potentially leading to serious damage and pre-mature aging. Safety is also an issue. ... Read More »

Agent Spotlight: Ana DeLara

Ana joined the RSS team in September of 2013.  She began her career at our office as a personal lines CSR (customer service representative), transitioned into a commercial lines CSR, and then decided about a year ago that she would like to become a full-time insurance agent. Ana truly enjoys the relational side of the insurance industry and wanted more opportunities to work one on ... Read More »

What You Need to Know About Water Backup

Water backup: What’s covered, what’s not Water backup is one of the most common causes of loss for homeowners, but also one of the most misunderstood.  While most people understand and know that flooding caused by mother nature and outside weather forces is not covered by their homeowners insurance (for this type of water damage a flood policy must be in ... Read More »

Motorcycle Insurance: We’ve Got You Covered.

Spring is in the air, summer is on the way, and we’re all looking forward to enjoying those Colorado blue sky days. If you’re a motorcycle enthusiast or rider it also means that you’re looking forward to spending many days riding your bike in our beautiful state.  At RSS, we know that most likely your bike is one of your prized ... Read More »

Should You Consider Higher Auto Limits?

Why should you consider higher auto limits?  The short answer is: While the minimum limits may provide the cheapest rate in the short term, they don’t provide ample protection for what you value most to protect you and your family’s financial security. First, let us back up and explain what we mean by auto limits. Your car insurance coverage limits, also ... Read More »

A Home Fire Escape Plan Can Save Your Life

It’s the middle of the night. You’re sound asleep when suddenly the smoke alarms in your house go off. It’s dark. The house is filling with smoke. Fire experts say you have about two minutes to get out safely. Would you and your family know what you should do? According to Ready.gov, each year more than 2,500 people die and ... Read More »

12 Lifestyle Changes That Could Help You Pay Less for Auto Insurance

If you thought there was a way you could reduce your auto insurance premiums through your personal choices and decisions would you do it?  Most consumers are always looking for ways to find a savings and that includes on their auto insurance.  There are many lifestyle and occupation changes you can consider making. We’ve compiled a list of  12 things ... Read More »

Springtime Home Maintenance

We’ve all heard of spring cleaning, but what about spring maintaining? When springtime rolls around, almost everyone thinks of cleaning up and airing out our homes. That’s great (we probably all need to do a little more of that, after all), but there’s something even more important that we should keep in mind: home maintenance. So, while you’re cleaning out your closets and ... Read More »

Know Before You Go: Do You Need Rental Car Insurance?

Spring break is almost here! That may mean vacation time and navigating car rentals in your near future. You’ve probably been at a rental-car counter before and experienced a company representative asking you if you want to purchase the company’s insurance. Thoughts start racing through your head. “Is this a rip-off? Doesn’t my regular auto policy cover me? What about my credit ... Read More »

Make Daylight Savings Time Daylight Safety Time

In most places in the United States, March 13th is Daylight Savings, when clocks are moved forward one hour.  Not only do we all gain one hour of extra light in the evening as spring and summer approach (and lose one hour of sleep on Sunday), but it’s also a great time to remember to improve your family’s safety by checking up ... Read More »

Traveling Internationally Over Spring Break?

What if you become sick or injured?  Should you consider International Travel Medical Insurance? Spring Break is quickly approaching and many of us may be taking exotic vacations to places far from home. Traveling abroad can be an exciting experience. But what would happen if you or one of your family members becomes ill or injured while traveling out of ... Read More »

Tiny Homes are Trending…Can You Insure Them?

Tiny homes are extremely trendy right now.  You may have watched a show about these little abodes on HGTV or noticed your friends “pinning” pictures of their “dream tiny house” on Pinterest.  Many people are beginning to dream of a simpler, less cluttered, environmentally friendly way of life that a tiny house may offer.  They come in many unique shapes and sizes. ... Read More »

Are Insurance Premiums Tax Deductible?

We’re coming up on the time of year again we all love…tax season.  Some of us already have all of our information gathered and ready to go and some of us will scramble to get our documents together at the last minute so we can file our taxes. (Oh, and then there’s the select few that have already filed.) Whether you’re a ... Read More »

What If I Have a Claim?

Life happens. Accidents, storms and damage occur on a daily basis. We’d like to think it won’t happen to us, but when it does, you’ll hopefully have your insurance agent and your insurance policies in place to get life back to normal. However, right after a damaging event occurs, do you know what to do? Q. I’ve been in an ... Read More »

Protect Your Valentine’s Day Jewelry

Did you say “I love you” with a gift of jewelry? Protect it! Ah, Valentine’s Day is near, and love is in the air.  Soon you may be telling that special someone how much you care with gifts such as chocolates, a romantic dinner, candy hearts that say “Be Mine” – and, of course, jewelry. It’s exciting to receive jewelry from ... Read More »

Winter Storm Ahead: Are You Ready?

It looks like Colorado may possibly be facing a large winter storm or blizzard in the next couple of days.  While snow days, staying cozy by the fireplace, and kids sledding outside in the remnants of a winter storm may sound fun, we must remember that winter storms can be very dangerous and even deadly.  It’s very important to know ... Read More »

New Home Inventory App Helps You Prepare for the Unexpected

Catalog Your Belongings. Be Ready for a Personal Property Claim. Why Do You Need a Home Inventory? You have homeowner’s or renter’s insurance to protect not only your home, but everything inside it if disasters strikes, right?  You need a home inventory because you don’t just love your home – or condo, apartment or townhouse. You love what’s in it. Your ... Read More »

LAST CHANCE! Open Enrollment Ending Soon

Time is running out! You need to enroll for health insurance by January 31st for 2016 coverage. Please also take the time to verify that your health care provider still accepts the insurance carrier you have chosen. You must enroll by January 31st for March 1st coverage! **VERY IMPORTANT** Open Enrollment for purchasing health insurance for 2016 ends January 31st!  You DO NOT ... Read More »

Agent Spotlight: Stephanie Gonzales

Meet Stephanie Gonzales.  Stephanie is a fourth generation Coloradan who joined the RSS team in June of 2014. She began her insurance career in 2001 as a customer service representative and has been growing and learning about insurance ever since. She is licensed in Property, Casualty, and Life and absolutely loves getting to know her customers!  Her enjoyment in getting ... Read More »

Do You Know How to Detect & Prevent Water Damage in Your Home?

You have plenty to worry about with home ownership, but keeping on top of potential water problems can save you buckets of money. Even a small leak can become a major problem. It’s important to know that most homeowner policies only cover damage to your home caused by a sudden and accidental water event, like a burst pipe, wind-driven rain ... Read More »

New Year Check Up-Help Us Help You

As we welcome in a new year many of us make various New Year’s resolutions.  Many of them are personal, but some of them may be financial.  The start of the new year is a good time to make sure your financial house is in order and  to go through your insurance policies and personal situation to make sure that your insurance ... Read More »

The Gifts are Wrapped…Should They Be Insured?

Christmas day is just a few days away  – Are you surprising someone with a valuable or extravagant gift underneath the Christmas tree this year? You’ll want to take  the time to make sure these special gifts are protected and insured after the wrapping paper is thrown away.  Properly insuring those expensive items will bring you peace of mind and protect ... Read More »

Holiday Home Security Tips

Make home safety a priority while you’re away for the holidays The holidays can be a great time to visit family and friends you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house and belongings stay safe while you’re gone.  A house left ... Read More »

Does My Credit History Affect My Insurance Premium?

Purchasing insurance can be frustrating sometimes, especially when you don’t understand why you are being asked certain questions or why specific factors may affect your insurance premium.  We would like to explain the reason why insurance companies utilize one particular factor – your credit history – in determining your insurance premium. As stated, many insurance companies use credit-based scores to help determine ... Read More »

Make the Most of Black Friday Shopping

Add some strategy to your ‘Black Friday’ shopping If there’s anything more satisfying than melting into the couch following a multi-course Thanksgiving dinner complete with all the fixings, it has to be shopping for the best deals of the season the day after at our local shopping malls and centers. Hitting the shops on Black Friday has become a ritual ... Read More »

Winterize Your Car Before Severe Weather Hits

According to the weather experts, we could be in for a very cold and snow-filled winter season caused by El Nino this year.  Cold temperatures and icy roads can create hazards for drivers. It is important to prepare yourself and your vehicle for these hazards to help ensure this winter driving season is a safe one. We recommend taking precautions to help ... Read More »

Thinking About Frying a Turkey?

Planning on frying a turkey this holiday season? While fried turkeys may be the favorite part of many American’s Thanksgiving meal extreme caution should be taken when cooking up the holiday bird.  If the proper techniques and procedures are not taken the results could disastrous and very dangerous.  Here are some safety tips from the CPSC for making your own ... Read More »

Avoid These 3 Common Insurance Gaps

Most consumers purchase insurance so they can best protect their homes, automobiles and businesses, among other things.  However, it is extremely important to understand the coverage you purchase to make sure you have properly protected what’s most important to you.  Even the best and most comprehensive policies out there may leave you with an “insurance gap.” This means that there are some losses or ... Read More »

Do You Know How to Properly Use a Fire Extinguisher?

October is National Fire Prevention Month. While we all most likely know the basics of preventing fires in our homes, how many of us REALLY know how to properly use a fire extinguisher? If a grease fire accidentally starts in your kitchen skillet, will you be able to calmly react and be able to correctly use your fire extinguisher with confidence? ... Read More »

Autumn Night Driving Dangers

A little extra caution can go a long way while driving at night  As September ends and we head into October and autumn, the days continue to grow shorter and the nights are becoming longer. Unfortunately, longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even though nighttime ... Read More »

Tree Maintenance Can Reduce Property Damage

The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained. Trees can present a particularly significant danger during a storm. Wind, lightning, snow and ice can all transform a tranquil row of ... Read More »

Rideshare Drivers: Does Your Policy Cover You?

What Uber & Lyft Drivers Need to Know About Their Car Insurance You may have heard of Uber, Lyft and Sidecar.  These taxi network companies utilize mobile apps, allowing consumers with smartphones to submit a trip request which is then routed to local drivers who use their own cars.  If you currently drive as a “driver-for-hire” for one of these companies, ... Read More »

Football Fan Safety Tips

Are you ready to cheer on your favorite team? Make football season not just fun, but also safe. Finally, we’re welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves, the start of school and, of course, cheering on our favorite football teams! Football season brings with it a whole host of seasonal activities for ... Read More »

Nine Easy Ways to Frustrate Car Thieves

There’s no foolproof way to safeguard against car theft. But many no-cost deterrents exist for protecting your vehicle. A thief’s greatest enemy is time. The more difficult your car is to steal, the longer it takes to be stolen. The longer it takes, the more likely the thief will move on to an easier target. Here are nine ways to ... Read More »

Back to School Safety Tips…Are You Ready?

As kids head back to school, let’s keep them safe  The end of summer means many things, such as cooler weather, shorter days and the start of football season! (Go Broncos!!) It also means that our kids are headed back to school. With that in mind, we all should be extra careful on the roads, in school zones and around school ... Read More »

Keep the Fire (Pit) Burning, but Keep It Safe

Sitting around a backyard fire pit is one of the most enjoyable ways to spend a nice summer evening. Without the proper precautions, however, it can also be quite dangerous. So before you get out the graham crackers, chocolate and marshmallows to celebrate National S’mores Day today, check out these guidelines to make sure you won’t get burned by an unsafe fire. Decide ... Read More »

Employee Spotlight: Kylie Kroeplin

Please help us welcome Kylie to the RSS team! Kylie joined our agency in July and was immediately ready to serve and assist our personal lines clients.  She began her insurance career in 2013 and now holds a Property & Casualty license in our state. Kylie moved to Colorado two and half years ago, but grew up in Payette, Idaho where ... Read More »

Life Changes-So Should Your Life Insurance

Your need for life insurance is dependent on your personal and financial needs. As your life changes, your life insurance coverage may need to change as well to adapt to your current needs. Some life changes that may require a policy “tune-up” include: You recently married or divorced You have a new child or grandchild Your health or your spouse’s ... Read More »

Does Volunteering Your Time Mean Volunteering Your Insurance?

Millions of Americans donate time—their most valuable asset—to serve as a volunteer board member on non-profits, booster clubs, churches, PTAs and civic organizations, just to name a few. The decisions these folks make can have a dramatic impact on their respective organization—and not always for the better. If a volunteer endeavor goes bad, would a volunteer board member have coverage ... Read More »

Do You Have Enough Homeowners Insurance Coverage to Rebuild Your Home?

Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance. Selecting the proper amount of coverage is the single most important decision you can make with your Homeowners policy. Without it, you may not have enough coverage to rebuild ... Read More »

Do You Know What Hail Damage Looks Like?

Identifying Hail Damage to Your Roof Summertime storms in Colorado can be very destructive. When hail hits, it can strike your roof and may damage your shingles or other property. Although hailstorms can be destructive, the amount of damage can vary.  The type and degree of damage may be impacted by the following factors: Wind – During a hailstorm, wind direction ... Read More »

It’s Summer… Heat Up that Grill and Be Safe!

Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer. However, grilling isn’t just about great food. Backyard barbecues often create treasured memories with friends and family. Keep in mind, though, that when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even ... Read More »

What Questions Should I Consider When Purchasing Auto Insurance?

When purchasing auto insurance, make sure you find coverage that fits your needs. Think about you and your family’s specific circumstances, including your risk tolerance and your budget. If you aren’t sure what type of things you should consider, read below. Also, call our office so we can assist you and walk you through the auto insurance buying process. Of ... Read More »

Tornado Truths to Keep You Safe

Tornadoes have caused severe and irreparable damage to tens of thousands of Americans and their property in recent years. On top of the physical and emotional fallout, many have also lost their lives as a direct result of a tornado. Although you can never control the weather or the outcome of a destructive storm, there are steps you can take ... Read More »

Protect Your “Home Away from Home”

Summer is almost here! Time for sun and fun, vacations, and for many people camping in their RVs.  Along with the fun however, comes the responsibility of making sure we have protected our home on wheels.  We buy homeowners insurance for our house and auto insurance for our cars,  so of course we need to make sure we purchase RV ... Read More »

Insurance For Your Paycheck

May is National Disability Insurance Awareness Month What is your most valuable asset? What asset do you most need to protect? A majority of people would most likely say their homes, cars, electronics, or jewelry. What about your ability to earn an income? Consider this: All of your future plans- owning a home, paying for your children’s college education, retiring ... Read More »

Do You Have Roadside Assistance Coverage?

All of our insurance companies offer Roadside Assistance coverage for as little as pennies a day. If you purchase this optional coverage you will have the security of knowing that when car trouble occurs, a tow truck will be dispatched to your location, and a service technician can help you refuel, get a jumpstart, or tow your car to a ... Read More »

Do You Need Landlord Protection Insurance?

Do you have a rental property that you lease to a tenant for rental income? As a landlord renting out your investment property, you’ve got a lot on your mind. Finding the right tenants, keeping up with repairs; the list goes on and on. With the proper Landlord Protection Insurance, you could have one less thing to worry about. Rental ... Read More »

I’m Borrowing My Friends Car…Am I Covered?

Most people have a basic idea of what’s covered and not covered under their auto insurance. However, our agency gets a lot of questions about if someone is covered if they are borrowing or loaning a car. Now that spring is here and summer is just around the corner, you might be looking to borrow your neighbor’s truck for a ... Read More »

Phishing – Don’t Be a Victim

When internet fraudsters impersonate a business to trick you into giving out your personal information, it’s called phishing. Don’t reply to email, text, or pop-up messages that ask for your personal or financial information. Don’t click on links within them either – even if the message seems to be from an organization you trust. It isn’t. Legitimate businesses don’t ask ... Read More »

Expensive Home Equipment Expensive to Fix

Today’s modern homes have many features and upgrades that provide comfort and entertainment to the entire family.   We begin to depend on them, but oftentimes, they let us down. Household appliances and equipment can stop working at any time. Unfortunately, repairing most of these items can be pretty expensive! Thankfully, many of today’s homeowner’s insurance policies offer an additional coverage ... Read More »

Thank YOU for Your Referrals for a Good Cause

We Love Your Referrals We wanted to take a moment to remind our friends and customers about our new referral program and to say “thank you.”  We truly appreciate your confidence in us and love it when you recommend and entrust us to your family and friends. We definitely find working with our customers a very rewarding experience! Since we not ... Read More »

10 Insurance Myths Revealed

Insurance is something that nearly everyone purchases. Whether you own a car or carry health insurance through your company, chances are you’ve had experience  purchasing insurance. However, insurance can oftentimes be a very misunderstood and complicated concept and product. It’s important to educate yourself on the different types of insurance and coverages available, but it can sometimes be difficult to distinguish ... Read More »

Five Ways to Get Your Vehicle Stolen

Five sure-fire ways to get your vehicle stolen  Most people would say their car is one of the most valuable assets they own — if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy.  Unfortunately, even in our Denver suburbs auto theft is a big problem. ... Read More »

10 Tips to Safeguard Laptop Data

Coverage is needed if safeguards fail. Data breach, cyber attack, data piracy, skimming, hacking, security breach.  Scary isn’t it?  We’re hearing these terms in the news now on a daily basis.  Everyone – businesses, employees, and individuals are all susceptible to this kind of attack on their private information. What can you do?  Keeping your data safe in the first place is the ... Read More »

Help Us…Help You

As independent insurance agents we work hard to make sure you have the right coverages at the best price possible.  In order for us to continue to keep you properly protected and at the lowest cost, we need to make sure we hear from you as your situation and life changes. Let’s face it, life is constantly changing and your ... Read More »

Love is in the Air…Who Should Insure the Ring?

Valentine’s Day will soon be here. Are you considering taking advantage of this romantic holiday to pop the question to your loved one? Purchasing an engagement ring is a big decision and can be a big investment. Have you ever considered who should insure the ring before the big day in the event she says “yes”? While not holding much ... Read More »

What If I Have a Claim?

Life happens. Accidents, storms and damage occur on a daily basis. We’d like to think it won’t happen to us, but when it does, you’ll hopefully have your insurance agent and your insurance policies in place to get life back to normal. However, right after a damaging event occurs, do you know what to do? Q. I’ve been in an ... Read More »

Are Your Valuable Gifts Insured?

The gifts have been unwrapped and the holidays are over – Did you surprise someone with a valuable or extravagant gift in December? January is the time to make sure these special gifts are protected and insured.  Properly insuring those expensive items will bring you peace of mind and protect your investment. Follow these tips for insuring new jewelry or ... Read More »

Keeping Your Property Safe from Ice

As a property owner, you want to do whatever you can to welcome visitors to your home or business and keep your family, employees and customers safe. Snow and ice on walkways, roadways, driveways and parking lots can present extra challenges during winter months. Have a plan to stay ahead on snow and ice removal to minimize slips, falls and ... Read More »

2015 Charity Partnerships & New Referral Program

We are excited to announce that in 2015 we will be supporting and partnering with four local and global charities. Our goal is not only to support them financially, but to invest in them with our time when opportunities are available. The four charities we have chosen to support in 2015 are:  A Precious Child, Flatirons Habitat for Humanity, Susan ... Read More »

Do Not Let Thieves Steal Your Holiday Spirit

Gift-giving season is upon us once again. Many people will spend time shopping in stores and online for the perfect gift for their loved ones. While it is easy to get caught up in the fun of it all, it is important to remember that with increased purchasing comes heightened risk of theft. Thieves are on the prowl throughout the ... Read More »

Stay Safe While Staying Warm by Your Fireplace

When the colder temperatures start to set in, many homeowners will turn to their fireplace or their wood or pellet stoves as an additional heat source. While these heating tools can provide warmth and comfort, if you are not careful, they can also be a hazard. Keep in mind the following precautions to help ensure a safe winter season. Keep ... Read More »

Winter Driving Tips

All drivers need to prepare themselves for the hazards of winter-the time of year when auto accident claims increase in frequency, according to an analysis of claims incidence at Travelers, a leading provider of auto and homeowners insurance. The following measures should be taken to avoid an accident during the cold winter months: Be prepared before a storm hits: Have ... Read More »

Home Winterization

Before the temperature dips and the snow begins to fall, think ahead and take steps to get your home ready for winter weather. Inside the home Have your furnace or boiler checked and serviced by a licensed contractor at least once a year, preferably before the heating season begins. Clean or replace the furnace filter, if necessary. Have your fuel ... Read More »

Home-Based Business

Do you run a business out of your home or have a hobby that earns income? Two out of every three people who have a business or hobby out of the home do NOT have adequate insurance. Most homeowners policies are not designed to cover losses from the business. CONSIDER THE FOLLOWING THAT MAY NOT BE COVERED BY A HOMEOWNERS ... Read More »

Preparing Your Home For Cooler Days

Fall foliage is beautiful, but not when it builds up in your gutters! Just a little time and some effort can prevent a lot of heartache and hassle. At Richards, Seeley & Schaefer, we know you want to protect what is important. Take these tips into account during the cool autumn months. Have your furnace cleaned and inspected annually by ... Read More »