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Auto insurance protects you against financial loss if you have an accident.

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Homeowners Insurance HOMEOWNERS

A standard policy insures the home itself and the things you keep in it.

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Flood Insurance FLOOD

Typical homeowners policies exclude flood damage. Get coverage now.

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Earthquake Insurance EARTHQUAKE

Earthquake claims are best covered with a standalone policy.

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Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

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Life & Health Insurance LIFE & HEALTH

Learn about different health coverage options that fit your needs.

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Cliff Cottam Insurance Services Blog

View the latest blog posts from Cliff Cottam Insurance Services.

What if you could have the flexibility to control your premium with the confidence that your coverage is enough?     Everyone With Assets Should Have an Agent     You may have a policy from a well-known insurance provider that costs you hundreds if not thousands of dollars per year. READ MORE >>

Want gaps in your coverage that leave you underinsured and vulnerable? Yea, we don’t either. The reason you buy insurance is to ensure you’re covered in the event of an accident or loss. Here are 5 policies you should have in place to ensure you are fully covered. READ MORE >>

    With Sacramento’s rapidly increasing rental prices you may have thought about offering your home for short term rental. Airbnb and Vrbo can be great platforms to offer your home to possible renters. READ MORE >>

  You may have considered renters insurance to be a waste of money. After all your landlord must insure your building? However, your landlord’s policy only covers the building itself. You are responsible for insuring the items in your living space. READ MORE >>

    You may have heard never having a construction accident is difficult. It’s true. Think of all the different scenarios that might arise. The presence of hazardous materials, ineffective security, and buildings with lack of structural integrity. READ MORE >>

Think You Won’t Need Pet Insurance? Think again. A report from the People's Dispensary of Sick Animals showed that 98 percent of pet owners under estimated the lifetime cost of ownership. Excluding unexpected vet visits the cost of owning a dog can range from  $27,074 to $42,545 depending on the breed. READ MORE >>

Lawmakers destroyed a big chunk of usual and normal business entertainment on January 1, 2018.   The good news is that some not-so-usual and not-so-normal entertainment survived the bloodletting. See Tax Reform: Entertainment Deductions That Survived for some of the survivors.   READ MORE >>

What’s worse than a massive data breach? Not reporting it.   Yahoo learned this lesson the hard way. The former Internet giant has been under intense scrutiny for revealing that at least 500 million of its user accounts were stolen back in 2014. READ MORE >>

If you live in the Northeast or Midwest, you know the drill. Although winter comes as no surprise, many of us are not ready for its arrival. If you are prepared for the hazards of winter, you will be more likely to stay safe and healthy when temperatures start to fall. READ MORE >>

Tired of worrying if your UPS package will get stolen or lost from your front door or porch? Guess what! You are not alone. According to package theft statistics, each year more than 23 million Americans have their packages stolen. Travelers claim data shows that, on average, more thefts occur on Black Friday than any other day of the year. READ MORE >>

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