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


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


Homeowners Insurance at Your Fingertips

By: Eric Erickson Saturday November 9, 2013 comments

The dream of home ownership isnt fully realized until you have the type of security only a comprehensive insurance policy can offer. Why shop around when one local, independent agent can find you the best and most affordable coverage available. The advantage of using an independent agent is the ability to search many policy options from many carriers. After you decide to finance a home, your Fort Collins homeowners insurance is one of the most important decisions you will make. One phone call to Insurance By Phone can put you on the road to... Read More


Easy, Fast, and Convenient: Get Insured with One Phone Call

By: Eric Erickson Wednesday November 6, 2013 comments

Navigating the auto, life, residential, and commercial insurance landscape can be incredibly treacherous. How do you make sense of varying premiums, deductibles and coverage limitations? Fort Collins area insurance customers have known the ease, convenience, and speed of insuring their car, home, and business with one single phone call for over two decades. Why waste time searching through dozens of liability plans to find the cheapest price, the folks at Insurance By Phone can help find you the best, and the cheapest, insurance, and provide... Read More



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