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Trusted Fort Collins Insurance Coverage for Every Stage of Your Life

When it comes to protecting your family, business, and future, you need more than just a policy—you need a partner. At Rocky Mountain Insure, we’re proud to serve the Fort Collins community with personalized insurance solutions that bring peace of mind and real value. Whether you’re a first-time homeowner, an experienced driver, or a local business owner, our team is here to help you make confident decisions about your coverage.
"Sara was fantastic during the whole process and when we had a claim she was there for us the entire time, Thanks sara"

What Clients Say about Fort Collins Insurance

Sara helped me save SO much money with home and car coverages. I’m so grateful to her for her patience and all her help! I highly recommend Sara for your all your possible needs!

Madelyn Abrams

Sara has been super easy to work with and has helped me and my wife understand the ins and outs of our coverages. Especially considering how we're both very new to this she's been very understanding and super helpful with guiding us...

Neshyane Jayakody

It was so nice having the help and knowledge of Sara! It was/is so nice having someone we trust give us advice on coverage. She also saved us so much time and money with the whole process! Highly recommend!

Rachel Guerin

Local Matters

We are a local agency that is located in Fort Collins Colorado. Sara and her team are always available to help their customers with whatever needs they have. From filling claims to adding a vehicle to their policy, we are there to help. While we live locally we serve the entire state of Colorado with all types of plans and policies. Get you Fort Collins insurance needs taken care of today.
Sara Brownell
Fort Collins aerial view

Our Full Range of Coverages

Everyone’s Fort Collins Insurance needs are different. That’s why we offer a wide selection of policies designed to fit your life, your property, and your future goals. Explore our core offerings below.
Auto Insurance

Your car isn’t just a ride—it’s your freedom. From daily commutes to weekend road trips, RM Insure helps you stay protected behind the wheel. We offer policies for:

  • Standard auto coverage
  • High-risk and SR-22 filings
  • Motorcycle
  • RV and camper
  • Classic car coverage

Whether you drive a brand-new hybrid or a vintage Mustang, we’ll help you find a policy that fits your lifestyle and budget. Ask us about discounts for safe drivers, bundling policies, and more.

Homeowners Insurance

Your home is one of your biggest investments. Protect it with a homeowners policy that offers more than just the basics. Our plans are built to cover:

  • Fire and smoke damage

  • Storm and hail

  • Theft and vandalism

  • Liability and guest injuries

  • Additional living expenses during repairs

Live in a condo or rent your space? We also offer condo insurance and renters insurance to ensure your personal belongings and liabilities are covered.

Business Coverage

Running a business comes with risks—but it also comes with rewards. Let us help you protect what you’ve built. We provide business policies that include:

  • General liability
  • Commercial property coverage
  • Workers’ compensation
  • Commercial auto
  • Business interruption claims

From solo entrepreneurs to growing companies, we’ll help tailor a policy that supports your long-term success.

Life Insurance

Life is unpredictable—but planning ahead brings comfort and stability. Whether you want to support your family or cover final expenses, our life options include:

  • Term life
  • Whole life
  • Universal life
  • Final expense plan

Our agents can help you decide the right amount of coverage and the best policy type for your stage of life.

Renters Insurance
Just because you don’t own your home doesn’t mean you shouldn’t protect your belongings. Renters plans are affordable and often required by landlords. Our policies cover:
  • Personal property
  • Liability
  • Loss of use (temporary living expenses)
It’s peace of mind, even if you’re just starting out.
SR-22 Options

If the state requires you to carry an SR-22, we can help. We specialize in helping drivers reinstate their licenses quickly and affordably. No judgment—just straightforward help when you need it.

We’ll file your SR-22 electronically with the DMV and help you understand how it affects your coverage and premiums.

Auto and Home Bundles
One of the best ways to save on coverage is to bundle your auto and home policies. Not only can bundling reduce your premiums, it also simplifies your billing and claims process. Our agents will walk you through the savings and help you decide if bundling is right for you.
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🤝 Rooted in Fort Collins, Built for You
There’s something special about living in Fort Collins. Maybe it’s the way Horsetooth Reservoir glows at sunset, or how the foothills turn golden in the fall. Maybe it’s the energy of Old Town, the rhythm of bikes on the trail, or the scent of morning coffee from your favorite corner café.

But beyond the beauty — it’s the people who make this place home. The neighbor who shovels your sidewalk before you’re awake. The barista who remembers your order. The mechanic who waves when you drive by. These are the connections that matter.

And when it comes to protecting what’s most important — your home, your car, your family’s future — wouldn’t you rather turn to someone who lives right down the street?
💬 We’re Not a Call Center — We’re Your Neighbors
We’re local. That means we understand what hailstorms in May can do to your roof. We’ve seen the flash floods, the winter freeze, and yes — the random wind gusts that knock fences flat. We have friends who lost everything in the fires. We're not guessing from some call center in another state. We're walking the same sidewalks in old town and driving the same roads.

When you work with a local team, you’re not a policy number — you’re a family name we remember. A handshake we look forward to. A relationship we value. Fort Collins Insurance companies are numerous so thank you for picking us to protect your family.
Brownell Family
🌱 Local Matters — For You and Your Community
Every dollar you spend with a local business helps build the community you live in. It keeps jobs here. It supports local families, sponsors youth sports teams, and shows up at charity events and parades.

You’re not just getting a service — you’re investing in a partnership. One rooted in shared values, real accountability, and a promise to be here when you need us most.
Sara and Todd Brownell
🛠️ Real Protection, Real People
Anyone can quote you numbers. But when things go wrong — when your basement floods, when a neighbor’s tree crashes through your fence, when a distracted driver hits your car — you don’t want to talk to a stranger. You want to talk to someone who knows your name, your neighborhood, your story.

You want someone who shows up, walks through the mess with you, and helps make things right.

That’s what we do.
❤️ Fort Collins Is More Than a Place — It’s Our Home Too
We hike the A and ride Maxwell. Shop at the pernnial garderer and get burriots at Matador. Our kids went to Linton, Boltz, and Fort Collins High. When you trust us to help protect your world, we take that to heart. This isn’t just business — it’s personal.

We’re here for the long haul — building lasting relationships, one family at a time.

So whether you’re new to town or rooted here for generations, let’s connect. Let’s keep Fort Collins strong, together.

Because when you support local, you’re not just making a smart decision — you’re making a difference.

Getting a Quote is Simple

Our process is designed to be clear and stress-free:

  1. Request a quote – Online, by phone, or in person.

  2. Talk to Sara or Todd in person – We’ll listen, ask the right questions, and explain your options.

  3. Pick your plan – Choose what’s right for your needs and your budget.

  4. Relax – You’re protected, and we’re here whenever you need us.

Get Started Here

Why Choose Rocky Mountain Insure?

There are plenty of companies out there—but here’s why RM Insure stands out:

We’re Local

We live and work right here in Fort Collins. That means we understand the specific challenges of Colorado living, from icy roads to hailstorms. When you call, you’re talking to someone nearby—not a stranger in a call center.

We’re Independent

We’re not tied to one provider. We work with a network of top-rated carriers, which means we can compare rates and find the best value for you. No upselling, no pressure—just real options that make sense.

We’re Personal

We get to know our clients. Whether you’re updating a policy or filing a claim, you’ll get support from a real agent who knows your name—not a chatbot.

We’re Transparent

Getting started shouldn’t be confusing. We explain your coverage in plain English and help you understand what’s included, what’s not, and how your policy protects you.

Protect What Matters Most

Your policies aren't just about paperwork—it’s about preparing for the unexpected. Life happens. Storms roll in. Accidents occur. But when you’re properly insured, you have a plan in place to handle whatever comes your way.

At RM Insure, we’re here to help you plan with confidence.

Whether you’re buying your first home, starting a business, or making sure your family is financially secure, we’ll help you build a protection plan that fits your life.
grandfather and granddaughter preparing barbecue

Start With a Free Quote Today

Getting started is easy. Just fill out our short online form or give us a call to speak with a licensed agent. We’ll take the time to understand your needs, explain your options, and help you choose a policy that works for you.

No pressure. No hidden fees. Just real answers from a team that cares.
970-514-7008
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We help students at CSU everyday

🎓 Helping CSU Students Protect What Matters College is an exciting time — full of independence, new experiences, and maybe your first apartment or car. But with that freedom comes responsibility, and sometimes... unexpected surprises. That’s where we come in. We’re a local Fort Collins team, and we’re here to help Colorado State University students stay protected — whether it’s their first off-campus rental, a used car for getting to class, or simply peace of mind for the unexpected.
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Go Rams! Protect your stuff

🏠 Renting Off-Campus? We’ve Got You. Living off-campus is a big step — and having your belongings protected can make a huge difference. Imagine a kitchen fire, a break-in, or even a flood from the upstairs unit. Those things happen, and when they do, having the right protection in place means you’re not stuck replacing everything out-of-pocket. We make it easy to help you safeguard: Your laptop and electronics Furniture and clothes Textbooks, bikes, and more Best of all? It’s affordable. And we’ll explain everything in simple terms so you know exactly what you’re getting. 🚗 Driving to Class? Let’s Talk About Your Ride Whether you’re commuting from across town or driving back home to Denver on weekends, your car matters. We can help you find protection that fits your student budget without cutting corners. We help CSU students with: Affordable rates on car protection Guidance on what’s required in Colorado Discounts for good grades or bundled plans Easy-to-understand options (no confusing terms!) And because we’re local, we know Fort Collins traffic, winter driving risks, and the kinds of claims that are most common around campus.
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Let’s Talk More!

It’s not about policies. It’s about people. At RM Insure, we believe that everyone deserves personalized coverage and a local expert who’s just a phone call away.

Explore your options today and find out why more people across Northern Colorado trust us to protect what matters most.

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Why Local Matters

National providers may flood your inbox with offers, but they don’t know your neighborhood like we do. As a locally owned and operated agency, we take time to understand your unique Fort Collins insurance needs. We’ve built long-term relationships with families, entrepreneurs, and property owners throughout Northern Colorado by offering smart, honest advice, and reliable service.

When you work with Rocky Mountain Insure, you’re getting more than a quote—you’re getting a conversation with a real person who cares. We guide you through your options, explain the fine print, and make sure you're never paying for coverage you don’t need.

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    **Important —Please note completion of any request(s) for information does not constitute the purchase of insurance. No coverage may be added, changed or bound as a result of submitting a request for information or quotation of insurance. All coverage must be confirmed by the agency in writing subject to an acceptable signed application meeting the underwriting guidelines of the Insurance Company.