Business Details
Your Trusted Colorado Insurance Partner for Personal and Commercial Coverage
RPM Agency Insurance was founded with a clear mission: to make insurance easier to understand and even easier to trust. Based just outside Denver, we have grown from a community-focused team into a full-service agency with resources across the region and beyond. Our approach blends personal service with deep industry knowledge and modern technology, ensuring every client receives tailored guidance. We partner with top-tier providers to deliver personal and commercial insurance plans that address Colorado's unique risks. Our team's expertise spans homeowners, renters, auto, life, and business insurance, with a focus on transparent quoting and educational resources.We measure success by the trust and confidence our clients feel after every conversation. With offices in Lakewood, we serve individuals and businesses throughout Colorado, including Denver, Boulder, and Colorado Springs. Our commitment to clarity and simplicity extends to every interaction, from policy comparisons to claims support. We prioritize long-term relationships over short-term transactions, ensuring clients feel supported at every stage. Whether protecting a family home or a growing business, RPM Agency delivers coverage that combines local insight with national capabilities.
Services
Homeowners Insurance
Renters Insurance
Auto Insurance
Life Insurance
Umbrella Insurance
General Liability Insurance
Commercial Auto Insurance
Workers Compensation Insurance
Business Interruption Insurance
Cyber Liability Insurance
Highlights and features
- We provide trusted carriers and educational resources for informed insurance decisions.
- Our team combines local expertise with modern technology solutions.
- We offer comprehensive coverage for both personal and commercial needs.
- We deliver personalized service tailored to Colorado's unique risks.
- Our straightforward process ensures clear, simple insurance solutions.
What people say
Fantastic customer service
Personalized coverage options
Competitive pricing
Clear explanations
Prompt responses
Services
Homeowners Insurance
Protects Colorado homes against fire, hail, theft, and natural disasters. Covers property damage, personal belongings, liability, and additional living expenses. Tailored to address regional risks like wildfires and mountain weather. Ensures replacement cost coverage for modern rebuilding standards.
Auto Insurance
Covers Colorado drivers for accidents, hail damage, theft, and uninsured motorists. Includes liability, collision, and comprehensive options. Addresses mountain driving risks and seasonal weather challenges. Provides medical payments and legal defense coverage for enhanced security.
General Liability Insurance
Safeguards Colorado businesses from third-party claims. Covers bodily injury, property damage, and legal defense costs. Includes advertising injury and products liability. Required for leases and contracts. Protects assets against lawsuits and reputational risks.
Life Insurance
Provides income replacement, debt protection, and final expense coverage. Supports family financial stability after loss. Offers term and permanent policy options. Addresses Colorado's rising cost of living and outdoor lifestyle risks. Facilitates estate planning and education funding.
Renters Insurance
Covers personal belongings and liability for Colorado renters. Protects against fire, theft, and water damage. Includes loss of use and medical payments coverage. Addresses hailstorms and mountain climate risks. Affordable protection for apartments and leased properties.
People
Michele Robbins
Principal and Owner
Michele founded RPM Agency with a mission to simplify insurance. She specializes in personalized coverage solutions for Colorado homeowners and businesses. Her expertise in risk assessment ensures clients receive tailored protection.
Kristin Robbins
Operations
Kristin manages policy administration and client relations. She focuses on transparent quoting processes and educational resources. Her background in insurance technology streamlines service delivery for RPM clients.
Chris Robbins
HR
Chris oversees team development and internal operations. He ensures RPM maintains high service standards across personal and commercial lines. His leadership supports the agency's growth and client-focused culture.
Kevin Storm
Commercial Lines
Kevin specializes in business insurance solutions. He helps Colorado companies secure liability, workers' compensation, and cyber liability coverage. His approach balances comprehensive protection with cost-effective strategies for growing businesses.
Richard Smith
Personal Lines
Richard focuses on homeowners and auto insurance for Colorado residents. He assists with policy comparisons and risk management strategies. His client-first approach addresses unique mountain and urban living requirements.
Questions
What types of personal insurance are most important in Colorado?
Homeowners, auto, and umbrella insurance are crucial due to hailstorms, wildfires, and mountain driving risks. These policies protect against property damage, liability claims, and unexpected events.
How much homeowners insurance do Denver residents need?
Coverage should reflect current rebuilding costs, not original purchase price. Include replacement cost endorsements and additional living expense coverage for temporary displacement after losses.
Is renters insurance required in Colorado?
Not legally, but many landlords require it. It protects personal belongings and provides liability coverage for accidents, making it a cost-effective safeguard against unexpected losses.
What does general liability insurance cover for Colorado businesses?
It covers third-party bodily injury, property damage, legal defense costs, and advertising injuries. Required for leases and contracts, it protects against slip-and-fall claims and reputational risks.
Does auto insurance in Colorado cover hail damage?
Yes, with comprehensive coverage. Colorado ranks high for hail damage, making this coverage essential. It protects against weather-related incidents, theft, and vandalism.
Can I get life insurance with a pre-existing condition?
Yes, RPM Agency works with carriers offering policies for various health histories. Medical exams may be required, but many Colorado residents qualify for affordable term or permanent coverage.
