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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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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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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.

Over the last 12 months, the United States has had numerous outbreaks of fires. These fires happen in any type of dry climate. Many of them create significant damage. They destroy entire communities. Many homeowners do not realize there are steps they can take to minimize these risks. READ MORE >>

As we get older, our instincts don’t respond like they used to. Sometimes that means it is harder to react quickly while driving. What’s more, changes in your vision and hearing can impact your ability to drive. Some seniors get a bit nervous knowing this. You should not be afraid to drive. READ MORE >>

Why is it that some businesses fail quickly, while others turn into multi-million dollar companies? As the owner, you have more power than you might think. One way to make sure that you have a successful business is to follow best practices from others. Here are six habits you can put in place today: READ MORE >>

Now is an important time to focus on your insurance protection. Do not overlook auto insurance. Many people purchase a policy and forget to go back and check it down the road. However, your needs can change. Many times, vehicle owners need to adjust their policy to meet current changes. READ MORE >>

You have home insurance for a reason. You know that it is there to help you if you need to file a claim. But, will filing that claim cause your insurance rates to rise? This is a common concern. In some cases, the answer is yes. In others, there is no need to worry. In short, if an event happens that requires filing a claim, do so. READ MORE >>

Investing in a new car is a big step. Many times, individuals go to the dealership as a first step. That can be a costly mistake. Before you buy a new car, especially a convertible, sports car, or another high-end luxury vehicle, there are several steps take right from home. READ MORE >>

Driving after dark is very common in the late fall and winter months. The sun sets sooner, making it harder to navigate the way home after work. The risks are many. Deer are crossing the street virtually unseen. A child could be walking along the edge of the road, hard to notice until you are right next to them. READ MORE >>

As a business, you strive to provide your customers with outstanding service. You make your prices affordable. You offer something new, unique, or otherwise desirable. When you hand it to the customer, you expect it to solve their problem. Sometimes, this does not happen. The product may fail to work. READ MORE >>

When was the last time you thought about your home insurance policy? Many property owners do not use this policy often. They know it is a must-have. They keep making their payments on it. Yet, they do not recognize that home insurance should not just renew automatically. Many companies allow this for convenience. READ MORE >>

Electric vehicles are growing in popularity. Manufacturers, such as Ford and Volkswagen, are increasing the availability of these vehicles. Tesla and other high-end models continue to dominate the interests of today's drivers. The company has a new electric and self-driving Roadster, in fact. READ MORE >>

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