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Your Local Lakewood Independent Insurance Agency

Erwin Insurance Services specializes in auto, home, life, and business insurance for all of Colorado.

Welcome to Erwin Insurance Services, a family run independent insurance agency with over 20 years combined experience. As an independent agency, we are able to shop multiple top-rated carriers, finding the right coverage for your personal and business needs.

We represent many carriers such as SafeCo, Travelers, State Auto, Nationwide, and Progressive, just to name a few. As agency owners, Rick and Brad have built a team that is dedicated to customer service and creating lasting relationships with their clients.

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Recent News & Updates

Annuities: Pros vs. Cons

An annuity is an insurance product used to plan for retirement. The beauty of an annuity is that they pay out a steady stream of income when you retire, which can be used to supplement your other retirement accounts, or on its own. Annuities have pros and cons: Pros An annuity can provide you with the income you need to enjoy life during your golden...

Common Types of Surety Bonds & How They Work

A surety bond is a contract that ensures specific obligations are met. These bonds are often required for contractors working on government contracts. They are performance-based. A surety bond is a guarantee between three parties. The parties in a surety bond are: The Principal: The individual who is required to have a surety bond. The Obligee: The individual requesting the bond. The Surety Company: The...

Understanding What Your Home Insurance Policy Covers

Understanding your home insurance policy and what it covers is essential but easier said than done. Insurance contracts are written in a legal language unfamiliar to most of us. To understand your coverage, you may want to get help from a local insurance agent. You need to know what is covered – hopefully long before you need to file a claim. You likely have homeowners'...

Family Floater Life Insurance Policy and How They Work

A "family floater" plan provides life insurance coverage to all family members. These policies are a smart choice for many families. Also called "family life insurance," your entire family has life insurance with a single policy, a far simpler and more efficient process. Life insurance policies are typically purchased to cover the parents. If one of the breadwinners for the family should suddenly pass away,...