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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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Cliff Cottam Insurance Services Blog: home

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 >>

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 >>

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 >>

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 >>

Much of the country has been hit with severe storms and rain over the past several weeks. As always, the damage inspection of your property is an essential part of the claims process after a loss. Mercury Insurance offers an Emergency Service Program to assist with this process. READ MORE >>

With home prices on the rise, more and more people are choosing to rent instead of buy a home. However, only 31% of renters purchase insurance, leaving a huge exposure for those uninsured. Renters insurance is not just for your stuff; it can also provide you with financial protection in situations where you'd be held liable. READ MORE >>

It’s National Preparedness Month and the first thing you can do to better protect yourself and your home is to purchase flood insurance. Although you may live in an area that’s not near the ocean or that doesn’t flood regularly, you still need to consider flood insurance to protect your home and your valuables. READ MORE >>

Home insurance is your ace in the hole when it comes to replacing or repairing your home following a loss. Without home insurance, you’d be forced to cover the costs yourself, which could take all your savings, depending on the severity of your loss and how much you have saved. READ MORE >>

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