Rich & Cartmill Insurance and Bonds

10/15/2026

Insurance in plain English: Replacement Cost. And it's probably a lot different than what most people (not in insurance) think it is.

Say you have a fire in your home. That’s a situation where replacement cost comes in. That replacement cost is based on what it would cost to repair or replace your damaged property with something of similar kind and quality at today’s prices (subject to the terms and limits of your current policy).

Homeowner tip: If you’ve renovated, added square footage or made major upgrades to your home, let your insurance agent know right away. Those changes could affect how much coverage you need.

Your home changes over time. It’s worth making sure your insurance keeps up with it.

10/13/2026

We asked around at our carrier event a couple of weeks ago about why our carriers and partners and producers choose to work with Rich & Cartmill, and we OVERWHELMINGLY saw a theme across the board.

Relationships.

The kind built over years of showing up, answering the phone, doing what you say you’re going to do and genuinely caring about the people you work with.

Insurance may be what we do, but relationships are how we’ve done it for more than 100 years.

And judging by the answers we got, that still matters just as much today as it did when we started.

10/09/2026

Looking for your next opportunity? Maybe it’s time we talked.

At Rich & Cartmill, we’ve been building relationships since 1922, and that includes investing in the people who make R&C what it is.

Whether you’re just getting started in the industry, an experienced insurance professional, a producer looking to build something of your own, or an independent agency exploring what comes next, there’s more than one way to build your future with R&C.

We believe a career should give you room to grow, people who want to see you succeed, and the opportunity to build something you’re proud of.

Ready to see where you might fit?

Explore opportunities with Rich & Cartmill at rcins.com

10/03/2026

Last month, R&C Cares donated $10,000 to Bit By Bit, an organization in Northeast Oklahoma that offers therapeutic riding lessons to all ages with a wide range of disabilities.

At the heart of their mission are three distinct programs designed to foster growth, healing, and personal development through the unique bond between humans and horses. Whether it’s building confidence and physical strength through Therapeutic Riding, enhancing communication and teamwork skills in Equine-Assisted Learning, or offering a path to restoration and resilience for our Veterans and First Responders, each program is thoughtfully designed to meet participants where they are. Guided by certified professionals and supported by our compassionate team and exceptional horses.

R&C Cares is proud to have donated $10,000 to help continue their mission of providing therapeutic riding lessons to more than 70 riders per week.

Since its inception in 2022, R&C cares has donated more than $200,000 to non-profit organizations.

To learn more about Bit By Bit, log onto bitbybitok.org!

Founded in 1997 by Linda Barron, Bit by Bit has become Northeast Oklahoma’s leading therapeutic riding program … [Read More]

09/28/2026

You may have the coverage you need—or you may have gaps you don't know about.

A quick policy review can help you find out before the unexpected happens.

09/25/2026

R&C Cares presented a check in the amount of $7500.00 to the Urban Mission Food Resource Center. This wonderful organization was nominated by Becky Koehler Killman

They were grateful to R&C Cares for the donation which will allow them to continue providing fresh produce, meat and other non-perishables while helping clients get back on their feet with dignity.

09/25/2026

Caring for others comes with a lot of responsibility — and a unique set of risks.

Rich & Cartmill understands the senior living industry and helps protect the residents, teams and communities you work hard to care for every day. ❤️

09/21/2026

Protect what matters today, so you can focus on tomorrow. Life insurance is an investment in your family's future.

09/18/2026

Starting a business is a big milestone. Make sure your insurance grows with it.

09/14/2026

Insurance is more than a policy — it’s knowing you have people in your corner when it matters most.

At Rich & Cartmill, personal service, trusted relationships and showing up for our clients have been at the heart of what we do since 1922. 🤝