Frequently Asked Questions

At Rocky Mountain Insurance Services, we know that navigating insurance can be daunting.


That’s why our FAQ section is designed to provide clear, straightforward answers to your burning questions, helping you make informed decisions about your coverage.


Let’s guide you to better insurance solutions!

  • What insurance covers Colorado hailstorm damage?

    Homeowners insurance typically covers hail damage to your roof, siding, and windows. Colorado's frequent hailstorms make comprehensive coverage essential for protecting your property investment.

  • How do I file an insurance claim?

    Contact your insurance carrier immediately after an incident occurs. Document all damage with photos, keep receipts for temporary repairs, and work with your agent throughout the process.

  • When should I review my coverage limits?

    Review your coverage annually or after major life changes like home renovations, vehicle purchases, or family additions. Colorado's rising property values may require coverage adjustments.

  • What factors affect my insurance rates?

    Your location, claims history, coverage amounts, and deductible choices impact rates. Colorado residents may see variations based on wildfire zones and weather patterns in their area.

  • Do I need umbrella insurance coverage?

    Umbrella policies provide extra liability protection beyond your standard limits. They're valuable if you have significant assets, rental properties, or face higher lawsuit risks.

  • How does business insurance protect me?

    Business insurance covers property damage, liability claims, and income loss during covered events. Colorado businesses benefit from coverage addressing weather-related closures and equipment damage.

  • What's the difference between term and whole life?

    Term life provides temporary coverage at lower costs, while whole life builds cash value permanently. Your age, health, and financial goals determine the best option.

  • Can I bundle different insurance policies?

    Yes, bundling home and auto insurance typically saves money while simplifying management. Multi-policy discounts can reduce your overall premium costs significantly with most carriers.

  • Why choose a local insurance agent?

    Local agents understand Colorado-specific risks like wildfire exposure and hail frequency. They provide personalized service, handle claims advocacy, and offer face-to-face consultations when needed.

  • How often should I shop for coverage?

    Compare rates every 2-3 years or when your circumstances change. Market conditions and carrier offerings shift regularly, potentially revealing better coverage options or savings opportunities.