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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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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.

Know your risk Wildfires can occur at any time throughout the year, but the potential is always higher during periods with little or no rainfall, which make brush, grass, and trees dry and more susceptible to burn. High winds can also contribute to spreading the fire. READ MORE >>

When you get to the rental car counter, the agent will undoubtedly start asking you if you want to buy rental car coverage. You might be confused and overwhelmed when they start rattling off all of these terms and the ramifications that could happen if you don't purchase it, but have no fear, CCIS is here! READ MORE >>

Nothing quite says "Fourth of July" like a BBQ by the pool, ending in a spectacular fireworks show. This summer holiday is one many people look forward to all year. With so much going on at the party, it is essential to take extra safety precautions to avoid any emergencies, especially insurance related! READ MORE >>

Summer is upon us, which means it's almost time for some fun in the sun! And with that warm weather, often comes time on the water. Your boat might have been tucked away for a few months now, but it's time to get it ready for its return. READ MORE >>

Nothing is more joyous than a child being welcomed into the world. Our agent, Beth, recently gave birth to an adorable little boy, Owen Matthew Weaver on February 25, 2017 at 5:43pm. He weighed 7lbs, 11oz. at birth. Two months later, he is keeping Beth busy as he grows and becomes more aware of himself and his surroundings. READ MORE >>

Usually when major life events, such as getting married (or divorced), having a baby, or moving come around, the last thing on your mind is how it will impact your insurance. However, once the dust (or confetti) settles, you should let your insurance agent know about these changes. READ MORE >>

Who doesn't love a good road trip? Whether it is driving by famous sites or jamming to your favorite tunes, they make for some of the best memories. But while they may seem so relaxed and problem-free, sometimes complications come up. To avoid those, it is always good to plan ahead for your trip, so you can be prepared for anything that comes your way! READ MORE >>

Spring is a time for fresh starts and new beginnings! Often times those new beginnings involve a new home, which means leaving the old one behind. Whether your house is sold right away or it is left vacant/unoccupied for an extended period of time, it should always be covered by insurance. READ MORE >>

Spring is well on its way and it's that time of year again…spring cleaning time! A time to empty out those drawers and closets, tidy up the house, and get a fresh start to the season. Of course, this is easier said than done, but once you finish and see the end result you'll feel great! READ MORE >>

This recent rainy weather has both its pros and its cons. Pro: it helps dramatically with the California drought. Con: it puts whole communities at risk for flooding. In the case of the Oroville Dam, flooding has caused major evacuations for the entire area. READ MORE >>

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