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Auto Insurance AUTO

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

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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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Life & Health Insurance LIFE & HEALTH

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Cliff Cottam Insurance Services Blog Page 2

View the latest blog posts from Cliff Cottam Insurance Services.

Thursday, November 4, 2021

6 Signs Your Brakes Need Repair or Replacement

When your car brakes, then you are initializing a complex system of mechanical components that will work together to bring your vehicle to a stop. The average car weighs about 3 to 5 tons, and the fact that your brakes help stop this heavy machine within a few meters, countless times per year, is a testament to their reliability. READ MORE >>

Tuesday, November 2, 2021

4 Common Homeowners Insurance Mistakes

Whether you are buying your first home or moving to a new home, you have to make sure that your homeowners insurance needs are met. Homeowners insurance isn’t always easy to understand, and it does have its fair share of unique terms. READ MORE >>

Thursday, October 28, 2021

5 Surprising Car Insurance Savings Opportunities

Many vehicle owners assume they will get the lowest rate available as soon as they request an auto insurance quote, but that is not always the case. There are lots of ways to save money on auto insurance even after day one.  Being a smart driver means knowing what insurance discount options are available to you. READ MORE >>

Tuesday, October 26, 2021

General Liability Benefits Within BOPs

As a business owner, you are responsible for ensuring a successful work environment and maintaining smooth operations. You want a safe, honest and secure business, but dissatisfied customers are going to come around from time to time. Sometimes, they could even take legal action against your business. READ MORE >>

Thursday, October 21, 2021

Get Your Flu Shot Now

There’s never been a more critical time than now to protect yourself against the flu. Even with widespread public health initiatives and disease prevention, the flu remains a potent and deadly threat to the American public. READ MORE >>

Tuesday, October 19, 2021

Can I Go Without Health Insurance?

Health insurance can be expensive, and as of 2021, there is no longer a federal requirement that you have to buy health insurance. You will not face fines for not carrying coverage.   Choosing to go uninsured isn’t recommended—and for a good reason. READ MORE >>

Thursday, October 14, 2021

Home Rebuild Cost Analysis

When the time comes to consider which type of home insurance to buy or how much coverage you need, think twice about just renewing the coverage you currently have. In many situations, your coverage can become ineffective or provide insufficient coverage to meet your needs if a significant issue occurs on the property. READ MORE >>

Tuesday, October 12, 2021

BOPs and Commercial Property Insurance

Most small business owners choose to invest in business owners policies—also known as BOPs. Put simply, BOPs can help business owners easily optimize their commercial insurance. BOPs usually contain several types of insurance, including commercial property coverage. READ MORE >>

Thursday, October 7, 2021

10 Tips for Safe Driving

When you drive recklessly, it impacts more people on the road than just yourself. In fact, other drivers, their passengers, your passengers and even pedestrians on the road can be affected by the decisions you make behind the wheel. Therefore, you have to treat driving as the potentially dangerous activity that it is. READ MORE >>

Tuesday, October 5, 2021

Establishing Life Insurance Now to Care for Disabled Children Later

Many people buy life insurance to cover the period of time they will have dependents. Dependents include children or others who depend on the income, housing and other resources provided by another person. Since children depend on their parents, it’s important to leave them financial support should you, the parent, die. READ MORE >>

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