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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 claims are best covered with a standalone policy.

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Cliff Cottam Insurance Services Blog Page 22

View the latest blog posts from Cliff Cottam Insurance Services.

Wednesday, November 27, 2019

Will Home Insurance Cover Dog Bites?

Home insurance is not just to protect the home itself. In fact, liability protection may be the most important part of your home insurance plan. A new roof or garage door is something that you might be able to cover out of pocket, but the costs incurred in a personal injury case can bankrupt the average family. READ MORE >>

Tuesday, November 26, 2019

Will Auto Insurance Cover My Rental Car?

Renting a car is old hat to some people. They may travel for work or for pleasure on a monthly basis and have a system worked out that they don't need to break. But not everyone is familiar with the process, and it's common to question whether to spend the money on additional auto insurance for a rental car. READ MORE >>

Thursday, November 21, 2019

How Comprehensive Home Insurance Coverage Works

Home insurance comes in a wide variety of forms, which can quickly confuse a person if they're not familiar with the lingo of their carrier. If you're interested in getting as much coverage as possible, then comprehensive might sound like the best bet for you. READ MORE >>

Tuesday, November 19, 2019

Insurance 101 For New Business Owners

If you want to start a small business, you should not be afraid to take a few risks. In many cases, taking a risk is the only way that you can truly achieve success. However, this doesn't mean that you should take risks for no reason. In fact, it is smart to reduce risks wherever and however possible. READ MORE >>

Thursday, November 14, 2019

When Will Home Insurance Companies Drop You?

Assuming payments are made on time, it does happen from time to time that a home insurance provider chooses to drop one of their clients. This isn’t common, but is possible. Luckily, it's not that hard to stay in good standing with your insurer. Here are the most common causes for being dropped by a provider: READ MORE >>

Tuesday, November 12, 2019

Small Business Insurance Mistakes To Avoid

There is both financial and reputational risk associated with running your own business. Therefore, it is essential that you insure your organization and your employees to protect yourself. Unfortunately, there are many mistakes that small business owners commit when buying an insurance policy. READ MORE >>

Thursday, November 7, 2019

Does Auto Insurance Cover the Car or the Driver?

Whether car insurance covers the car or the driver is a common question when it comes to figuring out what you can file a claim for. If you borrow your friend's car, are you covered under your policy or theirs? If you're renting a car, do you need to buy additional coverage? READ MORE >>

Tuesday, November 5, 2019

Does An Unoccupied Home Need Insurance?

If you find yourself in possession of a house with no occupants, a vacation home, a retirement home or a home that you are planning to rent out someday, you may question whether it's worth buying home insurance to protect it while it is vacant. Here's what you need to know: Home insurance is never a legal requirement. READ MORE >>

Thursday, October 31, 2019

Why You Need Business Insurance

Businesses buy business insurance to help them cover the costs incurred from liability claims and property damage. A business owner without adequate coverage may have to pay for legal claims and costly damages out-of-pocket. Depending on how the severity of the incident, a company may end up going out of business. READ MORE >>

Tuesday, October 29, 2019

How Personal Floater Coverage Can Enhance Your Homeowners Policy

Your homeowners insurance policy covers quite a lot. Between storm damage, vandalism and other risks, comprehensive coverage can guarantee a high degree of fiscal protection over the years. Still, standard home insurance policies don’t cover everything. READ MORE >>

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