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Insurance Fact and Fiction: What Type of Coverage Do You Need?

By: Eric Erickson Tuesday December 24, 2013 comments

Insurance exists so that we dont have to think about it. We dont have to worry about risk. We dont have to fear the loss of our home or business in the event of a natural disaster. This type of fearlessness comes with a cost, and part of that cost is finding the right policies for your life. Many types of liability coverage are required by law, such as auto liability insurance and commercial insurance. Other types of coverage are optional, but required as a condition of your loan agreement. But how do you know which types of insurance you ... Read More


Maintain Small Business Solvency: Perils and Prevention for Owners

By: Eric Erickson Sunday December 22, 2013 comments

The unfortunate reality of insurance is that the people and entities that need it the most are often the people and entities that feel like they cant afford it. That is especially true when it comes to certain types of liability coverage. Large companies can often afford to include coverage for credit problems, business interruption, or employment practices. However, small business owners are much more vulnerable to debt and lawsuits. Without insurance coverage, litigants will end up coming after personal property, including your home. While... Read More


Fill the Gap with Good Coverage: Facts and Myths About Gap Insurance?

By: Eric Erickson Thursday December 19, 2013 comments

For many drivers, finding the most affordable insurance coverage is the main objective. No one wants to pay good money after bad to pay for something they hope they will never use. However, when you decide to finance an automobile with a loan that you will need to be able to live for several years, additional insurance coverage becomes a primary concern. Collision coverage is usually required for any car that you finance, and many drivers choose to add comprehensive coverage, but your auto dealer or insurance agent may offer you something... Read More


5 Reasons Why Driving Without Insurance is a Bad Idea

By: Eric Erickson Friday December 6, 2013 comments

During the busy holiday season, the little things can fall through the cracks. Everybody forgets things now and then: misplaced car keys, directions to your aunt Ednas house. Dont let forgetfulness turn into a lapse in your auto liability coverage. In the state of Colorado, car insurance is mandatory, and the legal and financial consequences of driving without coverage can be grave. Especially when one phone call to Insurance By Phone can put you in touch with an independent agent that can establish an affordable policy for you today. ... Read More


Buy Now, Save Later: The History of Risk and Insurance

By: Eric Erickson Thursday December 5, 2013 comments

It is likely that you will one day ask yourself: Why do I need insurance? It can certainly seem like insurance premiums eat way at your income without providing anything in return. The reality is that some form or another of risk sharing has been around for centuries. We often take for granted that so many aspects of our lives, while primarily safe and trouble-free, are subject to risks that can threaten to destroy our financial wellbeing. Whether it is our home, our automobile, or our small business, few of us can withstand hardships that... Read More


Your Policy in Action: Filing Insurance Claims in Colorado

By: Eric Erickson Sunday December 1, 2013 comments

Selecting the right insurance policy can be a complicated process. Determining deductibles and coverage limits can often seem abstract, as auto, home, and commercial insurance is mandatory. We all want to find the least expensive premiums for our car, home, or business. But, we cant necessarily forecast how and when we will need to put our policy into action. The claims process should be fast and simple. Dont wait for the unpredictable to find out how your insurance policy can work for you. Whether you need to find out how auto claims... Read More


Get the Most Out of Your Coverage: The Insurance Market and You

By: Eric Erickson Friday November 29, 2013 comments

Insurance coverage is more than just a necessary expense. Insurance can by your primary ally when unexpected events threaten your financial security. What if you could find the right insurer for all of your coverage needs, including drivers, homeowners, and commercial coverage that fits your budget and services claims efficiently with limit options that protect you in the event of an accident or emergency? Find the best options among Fort Collins insurers through the help of an independent policy agent that benefits from helping you save money... Read More


Virtual Risks in a Virtual World: How Can Cyber-Insurance Work for Your or Your Business

By: Eric Erickson Friday November 29, 2013 comments

Our lives and our property are increasingly dependent on electronic data. As business owners and homeowners, we tend to store more and more of our important data on computers. And, more and more individuals rely on shared electronic information for their work. Because of this, our personal property no longer consists primarily of valuable items or essential equipment. This virtual information is continually at risk of cyber-theft. Normally, only large companies are at major risk of an electronic security breach, but insurance carriers are... Read More


Covering the Unpredictable: Liability Policies that Works for You

By: Eric Erickson Thursday November 28, 2013 comments

Most people are aware of the ways homeowners insurance protects you and your family, as well as your mortgage lender, against destructive events that can damage your property. Natural weather events and fires can wreak havoc on your home, leading to costly repairs and rebuilding. Your lender will require a minimal amount of property coverage to protect their investment, but there is another aspect to homeowners coverage that can protect your pocketbook as well. Homeowners liability coverage is designed to protect you against the costs... Read More


Shelter from the Storm: Homeowner's Insurance for Colorado's Unique Climate

By: Eric Erickson Saturday November 23, 2013 comments

Like many parts of the country, Colorado has been severely affected by inclement weather and environmental destruction over the past few years. With winters that produce heavy snows, springs that can produce violent storms, and summer months that create the optimal circumstances for wildfires, home ownership in Colorado has increasingly meant paying more for property coverage. Colorado insurance claims have increased in number and severity in recent years, and as a homeowner, you need to make sure that you are finding the best premium with the... Read More




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