Range Community Insurance

10/23/2026

Robert came out of the bigger end of this industry, which is where he learned what actually goes wrong.

There is a difference between knowing insurance and knowing what happens when insurance gets tested. You learn the second one by being on the inside when it happens to a lot of people at once.

So the education thing here is not a marketing angle. When you have seen how a claim gets denied over a disclosure nobody thought mattered, you stop selling policies and start explaining them.

A customer wrote that Robert walked them through hurdles other brokers could not or would not. Another wrote that he took the time to do things the right way. Another said he never once pushed toward the option that would have paid us more.

He also has a rubber chicken on his desk. Both things are true.

10/15/2026

Nix is on the payroll in every way except the one that matters, so no, the office dog is not a business expense.🐾

Pet insurance is one of those things people either think is absurd or wish they had bought eighteen months ago.

It is not for routine costs. It is for the $6,000 afternoon: the torn ligament, the swallowed sock, the cancer diagnosis, the emergency surgery at 11 p.m. when the only option is the one in Fort Collins.

Most plans cover accidents and illness; some add routine care like vaccinations and dental, and the useful ones include specialist and surgical coverage. What matters most is when you buy it, because anything already going on is a pre-existing condition, and pre-existing conditions do not get covered. That is true at every company, not just ours.

Which means the worst time to look into this is the day something is wrong, and the best time is while your animal is boringly healthy.

Nix approves this message.

10/12/2026

Please join us in welcoming Dani to the Range Community Insurance team!

Dani is our new Marketing and Business Development Intern. She’s a senior at the University of Wyoming, majoring in Marketing with a minor in Sales.

In her role, Dani will help tell the stories of our agency, our clients, and the Wyoming towns we serve. We believe insurance is about people first, and we’re excited to have her helping us spread that message.

When she’s not creating content, you’ll likely find her baking something sweet or curled up with a good book. Welcome to the team, Dani!

10/06/2026

Calling all book lovers! 📚

Just a reminder that A Bookish Social is coming up October 10 at 6:30 PM at the Albany County Public Library — and Range Community Insurance is proud to be a sponsor!

Come enjoy an evening of books, bites, banter, and good conversation while supporting the Albany County Public Library Foundation.

🎟️ Tickets: $30
📅 October 10
🕡 6:30 PM
📍 Albany County Public Library
🔞 Must be 21+ to attend

Grab your tickets and come join the fun!

Learn more: foundation.acplwy.org

10/01/2026

Insurance can be confusing enough without adding a little mystery to the mix. 👻

Do you know:
• What your deductible is?
• What your policy actually covers?
• Where your biggest coverage gaps might be?
• What would happen if you had a major claim?

You don't have to be an insurance expert. That's our job.

This October, skip the insurance tricks and let’s focus on understanding the coverage you actually have.

Read more. Worry less.

09/29/2026

September may be Life Insurance Awareness Month, but there’s no expiration date on making sure your coverage still fits your life.

Marriage. Kids. A new home. A growing business. A career change. Even just realizing, “I haven’t looked at this in a while.”

Life insurance is worth revisiting when life changes — not just once a year.

If it’s been a while since you looked at your coverage, let’s talk. No pressure, no jargon. Just a conversation about what you have, what you need, and what might make sense from here.

📍 Local. Independent. Here to help.

09/29/2026

Do you want to meet more people in Laramie, preferably new friends who also love to read and talk about books? Join us for an evening of shelf indulgence!

Come on your own or bring a buddy to meet new people, mingle, and relax. This unique fundraiser is all about celebrating books and supporting the library.

Learn more and register: https://aclibrary.app.neoncrm.com/nx/portal/neonevents/events?path=%2Fportal%2Fevents%2F55286

The Albany County Public Library Foundation, located in Laramie, Wyoming, exists to make a great library even better! Donate today!

09/25/2026

Your deductible is a decision, a lever, so to speak. You get to decide where to set it.

Your deductible is the amount you agree to pay toward a covered claim before your insurance kicks in. And it can be one of the things you adjust when you're looking for ways to manage your premium.

Generally, a higher deductible means a lower premium. A lower deductible means a higher premium.

Neither is automatically right or wrong. The important question is: what works for your budget and your comfort level?

If you're looking for ways to save on your monthly or annual premium, increasing your deductible may be an option worth considering. Just make sure the amount you choose is something you could comfortably cover if you had a claim tomorrow.

A $5,000 deductible might save you money every month — but if you don't have $5,000 readily available when you need it, those savings may not feel quite as helpful.

And one more thing to check: your policy may have a separate deductible for wind and hail. In Wyoming, that's especially important to understand. It may be higher than your standard deductible, so don't assume the number you see on the first page of your policy tells the whole story.

Insurance isn't one-size-fits-all. Your deductible is one of the levers we can look at to help make your coverage fit your budget.

09/22/2026

We are so excited to be a part of this event! Come join us for a night of good books and great people!

09/21/2026

The bike (or RV or 4x4) is going into storage in a few weeks, which usually means one thing: it’s time to start thinking about how your insurance should look for the off-season.

It can be tempting to simply cancel the coverage or cut it way back when the camper, boat, motorcycle, or other toy is parked for the winter.

After all, if it’s not being used, what could happen?

Quite a bit, actually.

Stored vehicles can still face theft, vandalism, hail, falling trees or branches, fire, and other unexpected damage. And depending on how and where it’s stored, those risks don’t necessarily disappear just because it’s not on the road.

The good news? You may have options.

Some insurance carriers offer storage, layup, or garaging options that adjust your coverage for the months you aren’t using the vehicle while continuing certain physical damage coverage. Other carriers may handle seasonal vehicles differently, so there isn’t a one-size-fits-all answer.

Before making a change, it’s worth checking what your policy actually offers and what coverage you want to have in place while your vehicle is sitting.

A quick conversation now could save you from an unpleasant surprise later.

And if you’re not sure what your policy does during the off-season, give us a call. We’re happy to take a look.