Rumer Insurance

08/24/2026

Full coverage isn't a real thing.

I know, I know. Every commercial on TV says it. Your buddy says he has it. Your loan company required it. But "full coverage" doesn't exist in any policy, any state, anywhere.

Here's what's actually happening: when people say "full coverage," they usually mean liability + comprehensive + collision. That's it. Three coverages, not some magic force field around your car.

It doesn't cover:

Your medical bills (that's a separate coverage).
A rental car while yours is in the shop (add-on).
Hitting a pothole and blowing two tires (depends on the policy — ask).
The full value of your brand new car after a total loss (unless you added gap coverage).

"Full coverage" is a sales phrase, not a coverage. It got you to say yes faster. It didn't get you protected better.

The fix is boring but it works: sit down once a year and go coverage by coverage. What do you actually have. What are you actually missing. Takes fifteen minutes.

Drop a comment or send me a message and I'll walk through your policy with you — no cost, no pressure, just so you know what you're actually paying for.

07/28/2026

Summer is winding down, making it the perfect time to get your home ready for fall. Clean gutters, check heating systems, seal windows, and inspect smoke detectors before colder weather arrives. A little maintenance now can help prevent bigger issues later.

Summer is winding down, making it the perfect time to get your home ready for fall. Clean gutters, check heating systems, seal windows, and inspect smoke detectors before colder weather arrives. A little maintenance now can help prevent bigger issues later. #...

07/21/2026

Sending a student off to college means taking valuable belongings with them. Renters insurance can help protect against theft, damage, and liability, especially for those living off campus. Contact us to learn more.

Sending a student off to college means taking valuable belongings with them. Renters insurance can help protect against theft, damage, and liability, especially for those living off campus. Contact us to learn more.

07/15/2026

Road trip season is here, and safe travel starts before you leave the driveway. Pack heavier items low and centered, keep weight evenly distributed, and avoid blocking your view. Secure rooftop cargo and bring only what you need to help reduce risk on the road. Get more tips for safer summer travel.

Road trip season is here, and safe travel starts before you leave the driveway. Pack heavier items low and centered, keep weight evenly distributed, and avoid blocking your view. Secure rooftop cargo and bring only what you need to help reduce risk on the road. Get more tips for safer summer travel....

07/13/2026

Heading out for summer vacation? A few simple steps before you leave can help protect your home. Lock doors and windows, pause mail delivery, set light timers, and unplug electronics. Check out the full checklist to help protect your home while you’re away

Heading out for summer vacation? A few simple steps before you leave can help protect your home. Lock doors and windows, pause mail delivery, set light timers, and unplug electronics. Check out the full checklist to help protect your home while you’re away ...

07/09/2026

Summer power outages in extreme heat can be dangerous without preparation. Have a plan, stay cool, and use generators safely outdoors with proper ventilation. Never connect them improperly or refuel while running. Preparation can help protect your home and family. Learn more:

Summer power outages in extreme heat can be dangerous without preparation. Have a plan, stay cool, and use generators safely outdoors with proper ventilation. Never connect them improperly or refuel while running. Preparation can help protect your home and family. Learn more: ...

07/07/2026

Extreme heat can be more dangerous than many people realize, leading to serious illness if warning signs are ignored. Symptoms like dizziness, nausea, weakness, and confusion may signal heat exhaustion or heatstroke. Staying hydrated, taking breaks in cool areas, and avoiding peak heat hours can help reduce risk. Learn more:

Extreme heat can be more dangerous than many people realize, leading to serious illness if warning signs are ignored. Symptoms like dizziness, nausea, weakness, and confusion may signal heat exhaustion or heatstroke. Staying hydrated, taking breaks in cool areas, and avoiding peak heat hours can hel...

07/01/2026

Not all marine insurance is the same. Travelers has mechanical breakdown coverage and 24/7 emergency on-water towing options designed with boaters’ needs in mind. Experience the Travelers marine difference. Contact us for a quote today. http://tkpl.us/suhz0

07/01/2026

Happy National Boating Day! From fishing boats to pontoons, sailboats to motor yachts – what better way to celebrate than to be out on the water? No matter what type of vessel you call yours, we hope you get to enjoy it safely today!

Happy National Boating Day! From fishing boats to pontoons, sailboats to motor yachts – what better way to celebrate than to be out on the water? No matter what type of vessel you call yours, we hope you get to enjoy it safely today! ...

06/30/2026

Travelers understands that owning a boat is more than a hobby -- it’s a lifestyle. With deep marine experience, they know true peace of mind comes from the exceptional protection provided through Travelers’ marine coverage. Get a quote today. http://tkpl.us/st6oo