Auto Insurance AUTO

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: family

View the latest blog posts from Cliff Cottam Insurance Services.

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 >>

Even if you’ve been diligently saving for retirement and have your money socked away in the right investments for your age, unforeseen problems can disrupt your careful planning. Threats to your retirement can come from both inside your own family and from strangers who want to take advantage of you. READ MORE >>

As new parents with a million things to plan, it’s important not to neglect the new insurance situation you will face. Planning now will you give at least one less thing to do while you’re changing diapers and feeding when your new arrival comes. Life Insurance READ MORE >>

This past weekend, our agent Anne Siebum's daughter Isabelle performed as a Cherub at the Nutcracker Ballet in Sacramento.  "Best-known and most beloved of all Sacramento Ballet productions, Ron Cunningham’s The Nutcracker has been seen by hundreds of thousands of people. READ MORE >>

When your child goes away to college, there are a lot of changes you’ll be facing. Some of these changes are good—like the fact that your refrigerator will stay stocked longer and the amount of laundry you do will be greatly reduced. But some of the changes are scary and may require some preparation on your end. READ MORE >>

When you are raising a teen who has finally received their driver’s license, you’ve got some important decisions to make about car insurance. If your teen is going to drive, then he needs to be covered by a policy—but should it be your policy or one of his own? READ MORE >>

Driving a car is a big responsibility that teens may not always consider.  As a parent, you may want to use an agreement to help them  understand this before handing them the keys to the car.   READ MORE >>

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