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COVID-19 Update:

At RMS and associated firms, business continues as usual. Our staff is remote-capable and available to handle all partners, brokers, and insureds at the present time.
Contact us today! Executive Order for Policyholder Payments

Are Paint Jobs Covered by Car Insurance? Are Paint Jobs Covered by Car Insurance?

Dec 13, 2022

Auto Insurance

Are Paint Jobs Covered by Car Insurance?

It is awful to have the paint of your car damaged, whether it is due to someone vandalizing your car or simply having an unlucky fender-bender. Paint jobs are expensive. In most cases, paint jobs are covered, but not always. Continue reading to find out more. When Does Car Insurance Cover Paint Jobs? When...

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Are Senior Living Costs Covered by Long-term Care Insurance? Are Senior Living Costs Covered by Long-term Care Insurance?

Nov 22, 2022

Home Insurance

Are Senior Living Costs Covered by Long-term Care Insurance?

When making retirement plans, make sure to consider your care options. Long-term care expenses are typically not covered by health insurance policies and can be covered by long-term care insurance. If you are a senior citizen, have a disability or a chronic illness requiring constant supervision, or...

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Is Neutering Covered by Pet Insurance? Is Neutering Covered by Pet Insurance?

Nov 08, 2022

Insurance

Is Neutering Covered by Pet Insurance?

Making your beloved pet sterile through neutering or spaying has numerous long-term benefits for both you and your pet. It essentially means fewer unwanted litters and fewer worries for you as a pet parent. Neutering or spaying your pet can improve their health, enable them to live healthier and longer,...

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How Tree Removal Service Impacts Home Insurance How Tree Removal Service Impacts Home Insurance

Oct 25, 2022

Home Insurance

How Tree Removal Service Impacts Home Insurance

By all accounts, trees help increase a home's value. Many homeowners look for neighborhoods populated with trees when choosing a place to stay. However, there are a few complications to consider. When inclement weather and other disasters strike, trees can cause serious damage to your home. At some point,...

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Does Your Hotel Have These Risks Covered Under Hospitality Insurance Coverage? Does Your Hotel Have These Risks Covered Under Hospitality Insurance Coverage?

Oct 11, 2022

Pet Insurance

Does Your Hotel Have These Risks Covered Under Hospitality Insurance Coverage?

When you manage a hotel, you have to think about all potential risks that could arise. From fires, to theft, to weather damage, many things could go wrong. That's why it's important to have hospitality insurance coverage for your hotel. In this article, we'll discuss four risks for which you should ensure...

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Commercial Auto vs. Personal Auto Insurance: The Ideal Insurance for You Commercial Auto vs. Personal Auto Insurance: The Ideal Insurance for You

Sep 13, 2022

Business and Commercial insurance

Commercial Auto vs. Personal Auto Insurance: The Ideal Insurance for You

When it comes to selecting an auto insurance policy, you may get confused. The line between a personal vehicle and a commercial vehicle can sometimes be unclear. So you need to understand the two insurance policies in brief. In this article, we will clarify the differences between personal and commercial...

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Why I Need to Escrow My Flood Insurance? Why I Need to Escrow My Flood Insurance?

Sep 06, 2022

Commercial Insurance

Why I Need to Escrow My Flood Insurance?

An escrow account is a third-party account, mostly opened by your mortgage lender, to keep track of payments concerning the property you financed, including the property's taxes, insurance payments, association dues, etc. You will usually have an escrow account if you have a mortgage. If you have been...

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Will My Car Insurance Offer Coverage for Mechanical Problems? Will My Car Insurance Offer Coverage for Mechanical Problems?

Aug 16, 2022

Flood Insurance

Will My Car Insurance Offer Coverage for Mechanical Problems?

Car insurance will only cover mechanical problems resulting from covered perils (accidents and collisions), provided you have comprehensive and collision coverages. If you don't have these coverages, you can buy a separate mechanical breakdown insurance policy to stay covered against all types of mechanical...

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Are Riots, Vandalism, or Looting Covered by Business Insurance? Are Riots, Vandalism, or Looting Covered by Business Insurance?

Aug 09, 2022

Auto Insurance

Are Riots, Vandalism, or Looting Covered by Business Insurance?

After being closed for nearly two years due to pandemic-induced lockdown, businesses have now reopened with limited employees and some restrictions concerning safety precautions. However, they still cannot work with peace of mind because of the recent events of vandalism, looting, and riots from protests. Business...

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How Can You Choose a Home Insurance Policy for a Vacation Home? How Can You Choose a Home Insurance Policy for a Vacation Home?

Jul 19, 2022

Health Insurance

How Can You Choose a Home Insurance Policy for a Vacation Home?

Once you purchase a second home or a vacation home, the best way to protect your property from unseen external factors is to get a homeowners insurance policy. The type of policy needed for your vacation home is similar to that of a primary home insurance policy. However, the insurance rates tend to...

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Does Life Insurance Cover Deaths Due to Natural Causes? Does Life Insurance Cover Deaths Due to Natural Causes?
Does Life Insurance Cover Deaths Due to Natural Causes?
How Are General Liability Insurance Premiums Calculated? How Are General Liability Insurance Premiums Calculated?
How Are General Liability Insurance Premiums Calculated?
Does Homeowners Insurance Cover Appliances? Does Homeowners Insurance Cover Appliances?
Does Homeowners Insurance Cover Appliances?
Is It Necessary to Get Insurance If Your Business Has No Inventory? Is It Necessary to Get Insurance If Your Business Has No Inventory?
Is It Necessary to Get Insurance If Your Business Has No Inventory?
Does Car Insurance Cover Hitting a Deer? What You Need to Know Does Car Insurance Cover Hitting a Deer? What You Need to Know
Does Car Insurance Cover Hitting a Deer? What You Need to Know