
Farmers Insurance Agent in Friday Harbor, WA
Tammy CottonTammy M Cotton Ins Agency IncAbout Me
As a long time community member of Friday Harbor, WA, I help customers like you identify the insurance coverage that best fits your needs. This process is straightforward and personalized to help make you smarter about insurance. I have the knowledge and experience to help you better understand your coverage options--whether that's auto, home, renters, business insurance and more. Serving the San Juan Islands, Skagit County and all of Washington state.
Give me a call at (360) 378-4014 and I'll be happy to answer any questions you might have.
Languages Spoken: English
Insurance Products Offered
Auto Insurance
Comprehensive coverage? Collision coverage? Deductibles? Medical Payments? Where to begin? Your local Farmers agent can take the mystery out of selecting the right Car insurance coverage for your needs and budget. Get started with an online Auto insurance quote and learn about our insurance discounts that can help you save money.
Home Insurance
Your home is perhaps your most valuable possession, so you'll want to make sure your insurer has withstood the test of time. Farmers® has been providing insurance products for over 80 years, and will be there in the event disaster strikes and your home is damaged in a fire or due to another covered cause of loss. Plus, get competitive rates with our multi-line insurance discounts. Get a Home insurance quote now.
Life Insurance1
How much has your life changed in the last few years? Whether you've purchased a home, gotten married, had children or started a small business, it's a good idea to review your Life insurance policy. Call me today so you can create a plan to help provide financial support for those who depend on you.
ADFL029AWS 9/17Renters Insurance
Your landlord may have an insurance policy, but if there's a fire in your building, that policy may not cover your possessions. That's why there's Renters insurance. Get a Renters insurance quote to see how affordable it is to protect your personal belongings.
Business Insurance
Managing your small business can be complex, selecting the right Business insurance for your unique operation doesn't have to be. No matter the type of business, a Farmers agent can help you customize an insurance package to reduce your risk and protect your investment. Request a Business insurance quote today to get started.
Motorcycle Insurance
As a motorcycle enthusiast, you're all about adventure and fun. The last thing you want to worry about is whether you have the right Motorcycle insurance policy. Talk to a Farmers agent about Motorcycle insurance discounts such as rewards for responsible riders and insuring more than one bike with Farmers.
Recreational Insurance
When enjoying the great outdoors, you shouldn't have to be thinking about your insurance coverage. Make sure you have Recreational insurance coverage from an industry leader. Whether you own a boat, travel trailer, ATV or Motor Home, Farmers Insurance has flexible coverage options and insurance discounts. Contact a Farmers agent to get a quote.
Farmers Financial Solutions*
In today’s world, you want options, flexibility, and some measure of certainty that a secure future is within reach. As your Farmers Insurance and Financial Services agent, I have the experience and professional perspective to help you build a solid financial plan. Call me for an appointment, and let’s talk about how you can reach your goals.
To check background information of this investment professional, visit FINRA BrokerCheck.
Umbrella Insurance
You work hard for the things that are important to you. For added coverage above and beyond the liability limits of your Auto or Home insurance policies, a Personal Umbrella insurance policy can provide added protection for your assets and future earnings.
Ask Me About:



United Way San Juan County
I am the President and Board Chair of the United Way of San Juan County.

Kiwanis San Juan County
I'm a past president and current member of the Kiwanis of San Juan County.

PWS LD-03 10/17


Frequently Asked Questions:
Recent Reviews for Tammy Cotton
- December 31, 2020Rating 5.0Great service from a knowledgeable agent.Response from TammyDecember 31, 2020Thank you for your kind words, we appreciate the review and look forward to working with you!
- December 18, 2020Rating 5.0Thank you so much for making our new house a reality with Farmers Insurance. Thank you for excellent service! Kasia and MarkResponse from TammyDecember 21, 2020Congratulations on your new home, we are so excited for you! Thank you for your kind words.
- October 28, 2020Rating 5.0Great service. Very responsive to my needs as client!Response from TammyOctober 28, 2020Thank you Carl! We are glad you are happy, we strive for an excellent client experience every time.
- June 29, 2020Rating 5.0Tammy was fabulous - friendly, courteous and extremely helpful in a timely manner! She also has a great team alongside her.
- February 27, 2020Rating 5.0Great service and products for our home and auto needs
- February 27, 2020Rating 5.0Working with Josh was very valuable and he saved us monies by completing a lengthy review of our policies! Thank you very much for continuing to take good care of our insurance needs.
- July 28, 2019Rating 5.0Awesome, very timely and attentive.
- May 5, 2019Rating 5.0Thanks Tammy and staff for always making us feel that hometown feeling when coming into your office. The personal attention that you give us makes us know that you have our interest at heart. You continual to show us ways to save money on our policies while still giving us the coverage we need. Thanks for simplifying the process of protecting our interests and family...Response from TammyMay 5, 2019Thank you Laurie! We strive to make everyone feel like they are part of the Farmers family.
- May 2, 2019Rating 5.0Fantastic!Response from TammyMay 2, 2019Thank you Joan! It has been a pleasure!
- January 12, 2019Rating 5.0Great agent! Has all of our insurance.Response from TammyApril 24, 2019Thank you David, we appreciate your business!!
- December 19, 2018Rating 5.0.
- August 2, 2018Rating 5.0Tammy is knowledgeable, easy to talk with and responds in-person or with excellent staff.
- July 15, 2018Rating 5.0I had a great experience getting insurance for a summer home through Tammy Cotton's office. Jennifer was very helpful and prompt getting my new policy information. Thank you.
- May 11, 2018Rating 5.0Wonderful! Everything was set up in advance for me by Jennifer, so in less than 15 minutes I had a new homeowners policy ready to go, fully integrated with my Texas residential and auto policies. The cost savings for my policy package thru Farmers is truly impressive.
- March 31, 2018Rating 5.0My interaction with Josh was pleasant, friendly, and helpful. I look forward to working with your office and transfer my car insurance as well.