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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.

  If somethings happens when you are least expecting it, are you prepared? Most people are not. Whether you are without reception, your phone batter dies, or you forgot your phone, you should be prepared to get out of the situation safely. An emergency kit could be your answer! READ MORE >>

With summer in full swing, boating may seem like a great way to spend some quality time with your friends and family.  However, boating can come with many risks as one of your passengers can get hurt or your boat can catch fire. Make sure you follow these safety tips to keep you and your family safe. READ MORE >>

Flying a drone may seem exciting, especially with the new surge of drone videos online. However, unmanned aircraft are subject to Federal Aviation Administration (“FAA”) rules.  So, here’s a quick breakdown of everything you need to know before you can take your drone out on its first flight! READ MORE >>

Keeping You and Your Family Insured on Your Next Roadtrip Want to protect you and your family on your next road trip? Proper insurance may be an integral part of keeping your family safe whether you’re planning a cross-country trek or a journey off-the-beaten-path. READ MORE >>

You may be feeling overwhelmed planning all of the events for your wedding. Sampling cakes from bakeries. Choosing playlists from the latest music. And sending out invites to your closest friends and family. A one-day event can transform into thousands of dollars and months of planning. READ MORE >>

With temps in Sacramento rising you may be looking forward to enjoying outdoor activities. From feeling the wind in your face when riding an ATV in Prairie City. To waking up to the smell of crisp air while camping in Tahoe. Or the touch of the cool water of the American River when rafting. READ MORE >>

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 >>

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