Don’t get caught out in the storm. Be prepared for severe weather season with just the right coverage.
Richard Mucciaccio is a highly ambitious, experienced professional with a dedication to achieving excellence for himself and his growing client base.
Ricky has been in insurance for over 7 years and loves making a difference in people’s lives.
Colorado Insurance MISSION
To effectively ATTRACT, CONVERT, OPTIMIZE, RETAIN and GROW quality clients. To become your trusted insurance partner by protecting individuals and families from unexpected financial disaster using quality products from financially sound insurance companies. Allow all employees to share in the profit of the company and to establish financial security and freedom for all employees.
We’ve Got you Covered
No matter where you are in life we will make sure to get the right coverage. We offer home, auto and shop insurance coverage in cities around the state, including Denver, Boulder, Fort Collins, Thornton, Westminster, Littleton, Highlands Ranch, Lone Tree, Castle pines, Parker, Castle Rock . Centennial, Englewood, Colorado Springs, Lakewood, Wheat Ridge, Loveland, Longmont, Arvada, Aurora, Commerce City and Evergreen.
We believe in insuring our clients properly, and not sacrificing coverage which could put you in a compromising position.
Ricky is knowledgeable and experienced in helping you find the best auto insurance policy available.
An umbrella policy is an additional layer of liability coverage over all of you underlying policies.
Looking for Commercial or Life Insurance? Even though we’re not currently offering it, we’ve got you covered. Check out our trusted partners for a quote.
Here are some questions many people have when buying insurance. We’ve done our best to answer them here, and if you have more questions, feel free to give us a call anytime. You can also check out our glossary of useful terms to help untangle that insurance jargon.
Independant vs. Captive Agent?
A captive agent is someone who works specifically for the insurance company they are representing. The larger names include Farmers, State Farm, American Family associated policy, Allstate, USAA and Shelter. The easy way to describe this is if you go to an American Family associated policy agent to get insurance, you are going to get an American Family associated policy. These agents only have the underwriting guidelines and premiums that their specific companies offer, that’s it. An independent agent is not married to one carrier, but has a portfolio of carriers to offer our clients. We don’t specifically work for one insurance company and we choose the carriers that we represent. Colorado Insurance has 15 carriers to offer our clients which gives us the most flexibility with underwriting guidelines and premiums in the industry. This allows us to consistently stay competitive in both of these categories while always striving to insure you better.
Should I File a Home Claim?
Home claims are absolutely something you should discuss with your Colorado Insurance service team before filing with the insurance carrier. The correct procedure for a home claim is to have a licensed contractor come out, look at the damage and give an estimate. This will provide the information needed for you and the Colorado Insurance team to discuss the actual claim amount, your specific home deductible and previous claims history. Then from there you can make a decision on whether submitting a claim is the right decision for you. The number of home claims that you submit within 3-5 years can affect both pricing on your home policy as well as acceptability with insurance carriers moving forward.
Bundling all of your insurance policies together is always going to make the most sense. You are going to received substantial multi policy discounts for having these policies together, and the more policies you have with one carrier, the more saving you will see. Another big reason why you should always keep your policies together is for the direct correlation on liability that your insured items have (house, cars, toys etc…). For example, if your home were to burn to the ground, also burning your car that is parked in the garage, and you have your home and auto insured with two totally different companies, this could pose a real problem. Your homeowner’s insurance company could try and pass the liability of your car being damaged to your auto insurance company saying that this is a comprehensive claim and needs to be paid out by them. Then your auto insurance company could try and pass that liability right back to your homeowner’s insurance company saying that the peril happened as a result of a covered homeowner’s claims and refuse to pay. This is just one of the many reasons why keeping you policies bundled together if at all possible is always a good idea!
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