The Reardon Blog

Practical tips, Colorado coverage advice, and straight talk about protecting what matters most — no jargon.

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Home & Auto
April 2025 ¡ 6 min read

Colorado Hail Season: What to Watch For on Your Home and Auto

Colorado ranks in the top 5 states for hail damage. Here's what to inspect, what coverage you actually need, and what to do immediately after a storm.

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Auto
March 2025 ¡ 4 min read

The Colorado Uninsured Driver Problem (And Why You Need UM Coverage)

Colorado has one of the higher rates of uninsured drivers in the nation. Here's what that means for your auto policy and what to do about it.

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Life Insurance
February 2025 ¡ 6 min read

Term vs. Whole Life Insurance: The Honest Breakdown

Without the sales pressure or confusing jargon — just a clear explanation of which type of life insurance actually makes sense for your situation.

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Umbrella
January 2025 ¡ 3 min read

The $300/Year Policy That Could Save Your Entire Net Worth

Most people have never heard of personal umbrella insurance. Here's what it is, why it matters, and who needs it most.

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Commercial
December 2024 ¡ 5 min read

5 Coverage Gaps That Are Costing Colorado Small Businesses Money

Most small business owners assume their BOP covers everything. It often doesn't. Here are five gaps Ryan sees regularly — and how to close them.

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Home
November 2024 ¡ 4 min read

What "Replacement Cost" Actually Means — And Why It Matters

Many homeowners think they're fully covered until they file a claim. Understanding the difference could save you thousands at claim time.

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Tips
October 2024 ¡ 3 min read

How to Actually Review Your Insurance Every Year (And Why Most People Don't)

Your life changes. Your coverage should too. Here's a simple annual review checklist that takes 15 minutes and could save you hundreds.

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