Insurance Coverage for Large Homes

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Amber Helmuth, personal lines risk manager, RCI Insurance Group.

In 2014, the median size new home set a record of 2,491 square feet, according to the American Enterprise Institute. Today’s generations are buying homes larger by a thousand square feet compared to the average new homes their parents purchased in 1973.
Regardless of the size of your current home, RCI Insurance Group, an independent insurance agency in Claremore, can write the coverage you need at a fair price. However, if you have a home that is larger than 3,000 square feet, you might want to hear what Amber Helmuth says. She is RCI’s personal lines risk manager and reminds local and area property owners that not all insurance providers are created equal.
She discusses problems found in “one size fits all” insurance coverage. RCI can build a robust yet simple plan to insure homes that exceed 3,000 square feet, Helmuth says. Here are just a few of the many advantages of RCI’s homeowners insurance with custom-built solutions for your large home:
Guaranteed rebuilding costs. “One aspect of our program that most policies do not offer is guaranteed rebuilding costs. No matter how much it costs to rebuild your home the way it was, including such factors as labor and materials, it will be paid for,” says Amber.
Several deductible options. The program offers deductibles of anywhere from $1,000 to $100,000, as well as options with lower wind and hail deductibles. “Most companies offer only 1% or higher deductibles for wind and hail,” says Amber. “We also have some options to waive deductibles on large losses, another unique aspect of our program.”  
These are just a few of the many benefits of RCI’s large home insurance program. “We offer a broad range of enhancements that you can add to your policy to protect the unique aspects of your home and your family’s well-being.”
Amber adds that RCI, by being an independent agency, can provide its customers ways to manage risk and prevent loss. “We are more than just insurance. We can help you reduce the chance of property damage, maximize safety, and ensure that the right amount of coverage is in place. We have programs that consider your assets as well as your lifestyle, such as special policies that are affordable and designed to cover private collections including guns, jewelry, wine collections and art.”
RCI Insurance and its 18 employees want their customers to be happy. If a client is unhappy with rates, RCI staff can shop around with the goal to offer quality coverage at competitive rates.
Giving back to the community is an important goal the insurance agency pursues with a passion. RCI agent Kyle Beggs serves on the boards of the Chamber of Commerce, Claremore School Foundation, RSU Alumni and is a member of the Rotary Club. Established in 1980, RCI is involved in many fundraisers and supports community organizations and charities including Safenet Services, Blue Star Mothers, Rogers State University, the William Barnes Children’s Advocacy Center, and John 3:16 Mission. You can go to RCI’s Facebook page,, where you can “like” and help support worthy causes.
“The more likes and shares we get, the more we donate,” says Helmuth. “We post our community events and involvement on our page, where we also run contests periodically.” In the past, RCI has given away trips to the Tulsa Zoo and gift cards on its Facebook page. The business not only makes a difference in the lives of its clients but in the world as well.

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