Providing Home, Auto, Business & Life Insurance.

As an independent agency, Cottle Insurance has access to over 40+ carriers. This allows us to tailor unique insurance solutions to individuals and businesses.

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The right insurance plan for every need.


No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. We would like to return the favor by giving you the coverage you need to ensure the security of your business.

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We combine premium Auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance.

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We know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.

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recreational vehicle

The thrill of adventure – it’s what owning a recreational vehicle is all about. Whatever your interest, be it cruising on your motorcycle or exploring the road less traveled on your ATV, we offer advanced coverage options to meet the insurance needs of the adventurer in everyone.

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Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions and dreams. Should something unexpected happen to you, you’ll want to be prepared for providing the assurance your family needs to keep their futures safe and sound.

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Like Life Insurance, Health Insurance is a valuable asset when it comes to safeguarding you and your family. Having proper health coverage will protect you from financial hardships that could arise if you or a family member are ever sick or injured and can’t work.

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All your policies in one central location.

Receive full access to our mobile app so you can easily access the information you need, when you need it.

All your insurance info in our easy-to-use mobile app

It's easy to keep track of all your insurance information with our all-in-one mobile app! Directly from your dashboard you can access your documents and information, receive realtime notifications, and easily keep track of all of your active policies (whether they are with Cottle Insurance or not!).

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No more rummaging through your glovebox for documents

Most insurance companies just send your important documents in the mail and hope you keep track of it... then make it a nightmare to try and get another copy. At Cottle Insurance, we make things simple and streamlined with our easy-to-use mobile app where you can access all of your important information when you need it most!

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Contact us with a tap of your finger

Get in contact with our office right from our mobile app! Send us an email, visit our website and log into your client portal all from one place. No need to jot info down on sticky notes or bookmark pages in your browser.

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You have questions, we have answers.

Have questions before reaching out? Check out some of the most popular questions we receive below.

What are the advantages of working with an Independent Insurance Agency like Cottle Insurance?

There are many advantages of working with an Independent Insurance Agency over going with a captive company. At Cottle Insurance, we represent many different insurance companies that offer a wide variety of coverage options and price points, which means there is no need for you to accept just one quote from one company. You will also not need to fill out many different online applications to get your own quote comparisons. With over 30 years of connections and industry leading knowledge of the market, Cottle Insurance can find a better value for your insurance dollar than you might find searching on your own; we do the shopping, you do the saving.

What is the difference between collision damage coverage and comprehensive damage coverage?

Collision is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.

Comprehensive provides coverage for most other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.

What factors can affect the cost of my automobile insurance?

There are a number of factors can affect the cost of your automobile insurance – some of which you can control and some that are beyond your control. Whatever your situation, Cottle Insurance will always find the best rates and coverage for you.

The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your automobile insurance will cost you.

Even your marital status can affect your cost of insurance. Statistics show that married people tend to have fewer and less costly accidents than do single people.

How much life insurance should an individual own?

The “Rule of thumb” for how much life insurance you should own suggests an amount of life insurance equal to 8 to 10 times annual earnings. However, many factors should be taken into account when determining the right amount of life insurance for you and your family. Lucky for you, Cottle Insurance has been helping individuals with life insurance for over 3 decades and will help you determine exactly how much life insurance you and your loves ones need.

I have an older car whose current market value is low – do I really need to purchase automobile insurance?

Most states have insurance laws that require drivers to have at least some automobile liability insurance. These laws were enacted to ensure that victims of automobile accidents receive compensation when their losses are caused by the actions of another individual who was negligent.

It is often the case that the cost of repairing the damages to an older car is greater than its value. In these cases, your vehicle may be considered “totaled” and you will receive a payout for the vehicle's market value less the deductible. Many people with older cars decide not to purchase any physical damage coverage. Cottle Insurance will always help you make the best decision that fits your unique situation.

What are some practical things I can do to lower the cost of my homeowners insurance?

There are a number of things you can do to lower the cost of your homeowners insurance. The easiest thing to do is to reach out to Cottle Insurance to get a comprehensive review of your policy and needs.

It is not surprising to find quotes on homeowners insurance that vary by hundreds of dollars for the same coverage on the same home. When we run the numbers for your home's coverage, we always ensure to make sure each quote is offering the same coverage, so you know you're getting the best price.

Another way to lower the cost of your homeowners insurance is to look for any discounts that you may qualify for. Cottle Insurance will always be on the lookout for any discounts that you may qualify for. For example, many companies will offer a discount when you place both your automobile and homeowners insurance with them. Other times, companies offer discounts if there are deadbolt exterior locks on all your doors, or if your home has a security system.

We will be sure to ask the proper questions to uncover any discounts you may be eligible for.

What is the difference between “actual cash value” and “replacement cost”?

Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When “actual cash value” is used, you are entitled to the depreciated value of the damaged property. Under the “replacement cost” coverage, you are reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.

Cottle Insurance will always clarify and help you understand what your policy includes and how your coverage works.

Why would I want to buy renters insurance?

If you live in an apartment or a rented house, renters insurance provides important coverage for both you and your possessions. A standard renters policy protects your personal property in many cases of theft or damage and may pay for temporary living expenses if your rental is damaged. It can also shield you from personal liability.

Anyone who leases a house or apartment should consider this type of coverage, and we will help you know which options work best for you and your unique situation.