Ricky King

About Ricky King Insurance Agency Inc – Your Trusted Insurance Partner

Established in 2015, Ricky King Insurance Agency Inc proudly serves individuals, families, and business owners across Colorado, Utah, Arizona, New Mexico, and Wyoming. We personalize a plan for your auto insurance, home insurance, boat and RV insurance, and comprehensive umbrella insurance coverage to protect what matters most to you.

Our agency understands that everyone's situation is unique. Whether you own a primary residence, vacation rental, second home, or farm, we will create an insurance plan for you. We are trained in wildfire insurance and knowledgeable and can write the Colorado Fair Plan and surplus policies, we provide critical protection for homeowners throughout the western states.

We also safeguard your family’s future with a variety of life insurance plans. Life insurance you cannot outlive, term life insurance, and supplemental medical policies such as Medigap, disability and accident policies. Our financial services extend beyond insurance — offering retirement assistance, college savings, and short-term and long-term savings plans designed for you.

As a small business owner myself, I know the challenges entrepreneurs face. That’s why we focus on helping local businesses with general liability insurance, workers’ compensation, commercial auto insurance, and errors and omissions insurance to keep your business protected.

Based in Colorado, our agency has been honored as the Top Insurance Agency in Montezuma County for 11 consecutive years. I am a Fort Lewis College graduate with a degree in Business Administration and a lifelong resident of southwest Colorado. Outside the office, I enjoy coaching youth sports, golfing, and exploring the great outdoors with my family.

At Ricky King Insurance Agency Inc, we pride ourselves on being knowledgeable, dependable, and honest. We offer free insurance and financial reviews to help you make informed decisions. Contact us today or visit our Cortez office for a personalized insurance quote and discover why so many choose us to protect their property, assets, and income.

Frequently Asked Questions (FAQ)

Q: How can I compare auto insurance quotes?

A: You can get car insurance quotes online, by phone, or with a local agent by sharing details about your vehicle, driving history, and coverage needs. Serving Cortez and the surrounding area, Ricky can help answer your questions.

Q: How fast can I get car insurance?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. Have questions? Ricky in Cortez can walk you through your options.

Q: What coverage is required when leasing a car?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Ricky works with Cortez residents to find coverage that fits.

Q: How does life insurance work at a basic level?

A: Life insurance is designed to help provide financial support to your loved ones if something happens to you. It can help cover expenses like daily living costs, debts, or future needs, depending on the type of policy and coverage you choose. Connect with Ricky for insurance guidance in Cortez.

Q: What kinds of things does renters insurance protect?

A: Renters insurance helps protect the things you own if something unexpected happens. It can help cover personal belongings if they're damaged or stolen, provide personal liability protection if someone is injured, and help with additional living expenses if you're unable to stay in your home due to a covered loss. In Cortez, you can count on Ricky for personalized service.

Q: Is homeowners insurance required?

A: Homeowners insurance requirements can vary depending on your state and situation, but most lenders will require it if you have home financing. Even when it's not required, many homeowners choose to carry coverage to help protect their home and financial well-being from unexpected events. Ricky serves Cortez, CO and is happy to help with your insurance needs.