Free Flag Exchange at McClain Insurance

7
Jun
2016

Exchange your worn American flag for a new one at the McClain Insurance office June 6-10. All community members are invited to this free event, which is held annually in celebration of Flag Day. Flag Day commemorates the adoption of the U.S. flag by the Continental Congress in 1777.

“Our goal is to help Snohomish County residents showcase their American spirit this Flag Day and beyond,” said McClain Insurance owner Claudia McClain. “Our deepest thanks go out to those who serve and have fought in defense of our freedom.”

McClain Insurance Flag Exchange Participant

Flags will be exchanged June 6-10 from 8:30am to 5pm at the McClain Insurance office at 10410 19th Ave SE, Everett, directly south of Costco. New flags are limited to one per household, but we will gladly take as many worn flags as needed.

McClain Insurance proudly gives away flags made in America. According to data from the U.S. Census Bureau, more than 90% of American flags are imported.

Retired flags will be respectfully disposed of in a ceremony held by local Boy Scouts.

Attending? Click here to RSVP to our Facebook event.
Other ways you can participate:

  • On June 14, display your American flag in celebration of Flag Day
  • Help us spread the world. Share your flag pictures on social media with the hashtag #McClainFlagExchange

About McClain Insurance: McClain Insurance Services is a nationally-acclaimed insurance agency in Everett, Wash. Since opening in 1977, our mission has been simple and clear: to help clients re-establish their lives as quickly and as completely as possible after a loss.

We advise clients on all their personal insurance needs, including homeowners and renters insurance, auto insurance, and life insurance. We can also assist with insuring more unique family needs, including electric bicycles, VRBO and other vacation rental properties, and in-home businesses.

As independent insurance agents, we partner with the Pacific Northwest’s best insurance companies. This allows us to offer choices to every client.

To learn more about McClain Insurance Services and our team of licensed insurance advisors, visit our website www.autohomeboat.com.


QuakeQuotes.com Website Launch

10
May
2016

QuakeQuotes Graphic

We are thrilled to announce the re-design of our earthquake insurance website, QuakeQuotes.com. Quake Quotes is the go-to source for earthquake information and preparedness advice in the Pacific Northwest.

Don’t miss our first Quake Quotes blog post: Seattle Dangerously Unprepared for an Earthquake. In it, we discuss how earthquakes damage homes, retrofitting your home for an earthquake, purchasing earthquake insurance to protect your investment, and how to prepare for an earthquake.

Here’s a brief excerpt:

How do Earthquakes Damage Homes? 

During an earthquake, the back and forth ground shaking impacts a home’s foundation. If the home has structural weaknesses – as many older homes in Seattle, Portland, and the surrounding metro areas do – the shaking will begin to damage the home. According to the city of Seattle, “Many wood-frame homes, particularly those built in Washington before 1965, may not be adequately bolted to their foundation. Without this anchorage, a foundation can be literally jerked out from under the building above by a large earthquake.”

How can you mitigate your risk? Consider retrofitting your home (if needed), purchase QuakeQuotes.com insurance to protect your investment, and prepare for the Big One.

Click here to continue reading this post on QuakeQuotes.com.

We’re proud to work with multiple A-rated insurance companies that offer stand-alone earthquake insurance in Washington and Oregon. More than 95% of Washington and Oregon homes are approved, and no inspection or retro-fitting is required.

Would you like more information about earthquake insurance in the Pacific Northwest? Complete our earthquake insurance quote from QuakeQuotes.com. If we receive your request by 4pm PST, we will reach out to you the same business day.


2015 Year In Review

27
Dec
2015

Many thanks for a fantastic year 2015!  Join us for 365 days in 2 minutes:

We’re looking forward to 2016 with YOU!


Support the Everett Imagine Children’s Museum This Month!

11
Dec
2015

Since 1991, the Everett Imagine Children’s Museum has been a great place to play, read, pretend, create and learn.  It’s open for guests of all ages, but it’s even better when you bring your ‘own’ favorite little people to enjoy an afternoon of fun. Created for kids ages 1-12, each exhibit at the Children’s Museum is thoughtfully designed for exciting hands-on exploration in science, literacy, math, history and art.

McClain Insurance Services supports the Everett Imagine Children's Museum

McClain Insurance Team Members with some of their favorite kids.

Thankfully, the McClain Team is lucky enough to have lots of sons, daughters, nieces, nephews, and grandkids in their lives to find plenty of reasons to visit the Children’s Museum often.

So, when we thought about our favorite local charities to support as part of our “Pay It Forward” Referral Rewards Program, the Everett Imagine Children’s Museum was a given!! To learn more about their exhibits and fabulous holiday programs, please visit www.imaginecm.org 

This month, you can support the Children’s Museum, simply by referring a friend to McClain Insurance for a policy review.  For each referral, we will donate $25.

Call 425-379-9200 for more information or a policy review, or visit www.AutoHomeBoat.com

Refer a friend to McClain Insurance Services in Everett, WA for a $25 donation to a local charity

*****

McClain Insurance Services is an independent insurance agency located in Everett, WA. The agency represents a select group of regional and national insurance companies, including PEMCO, Safeco, Travelers and Progressive.

Since 1977, McClain Insurance Services has offered quality insurance options to customers in Snohomish County and Washington state.  Our convenient full-service website and our team of licensed, professional brokers make insurance shopping personal, easy, quick and hassle-free.



Independent agents work with you to customize an insurance plan that meets your needs and fits your budget. They can help with all your personal insurance needs: AutoHomeRentersLifeUmbrellaEarthquakeFloodBoatMotorcycle and RV Insurance.



McClain Insurance Services is a Trusted Choice agency and a member of the Independent Agents Association of America, the Economic Alliance of Snohomish County, and the BBB. They are also Charter Members of NSACE – National Society of Agents for Consumer Education.


WSP Gives Winter Driving Safety Advice

4
Dec
2015

As many of us travel to see family for the holidays, we’d like to remind you to please be safe – and if weather conditions change, consider changing your plans and staying at home.  If you are witness to an accident and pull over to help, do not put yourself in danger!  Freezing rain, or other dangerous driving conditions, can cause other drivers to lose control of their vehicles and you car – or you! – might be struck while attempting to help.

If you chose to travel in winter weather, take a few extra steps to be prepared if you get stuck, have a breakdown, or are involved in an accident.  Consider downloading our    and follow the Winter Driving Tips by the Washington State Patrol, below:

McClain Insurance Holiday Travel Tips

With winter weather approaching, the Washington State Patrol reminds drivers to prepare before hitting the road and plan ahead when road and weather conditions are not ideal. In some cases, it takes time for law enforcement and first responders to arrive on scene. Law enforcement and first responders are trained and equipped to provide protection on emergency scenes and know where to park to ensure the safety of all those at the roadway collision.

Remember:

·         If the weather is not ideal, stay off the roadways if you can.
·         If you do have to travel, give yourself plenty of time to arrive at your destination safely.
·         Reduce your speed. Speed limits are set for ideal conditions
·         Increase your following distance.
·         To be seen better, use your headlights

If you witness a collision:

·         Call 911 and be prepared to answer questions regarding the details of the collision.
·         If you stop to help, pull your vehicle off of the roadway and activate your hazards.
·         Do not park where a car could slide into you or your vehicle.
·         If you stop to help the injured, do not put yourself in danger. Things can happen quickly and other vehicles may not see you putting you at greater risk. Weather and poor road conditions can compound the problem.
·         You may further injure someone involved in the collision. If there is no immediate need for the occupants to be removed do not remove them.

If you are involved in a collision:

·         Call 911
·         Activate your hazard lights and if possible, drive your vehicle as far off of the roadway as possible while remaining on level ground.
·         If your vehicle is inoperable, activate your hazards and wait for law enforcement and first responders to arrive. If you are concerned about your safety and think your vehicle might get struck from behind, get out of your vehicle and move away from the road to a safer location. This is only recommended as a last resort.


Drive Alert, Arrive Alive! It’s Drowsy Driving Prevention Week

3
Nov
2015

Arrive Alive and Avoid Drowsy Driving

As the days get shorter and darkness sets in sooner, you might notice increased fatigue throughout your day.  But be careful:  A sleepy driver can be just as dangerous to be around as a drunk driver or a speeding driver!  In fact, drowsy driving is a factor in over 20% of fatal crashes and sleeping less than six hours at night can triple your risk!

Drowsy driving has serious consequences. Between 2012 and October 2015, there were over 4700 collisions investigated in Washington State where the driver either fell asleep, was fatigued or both behind the wheel of a motor vehicle.

People who drive tired or drowsy have impaired reaction time, judgment, vision, awareness of surroundings, and decision making skills. The warning signs of a tired or drowsy driver are trouble keeping eyes open and head up, difficulty focusing, yawning repeatedly, and missing highway exits or traffic signs.

“Drowsy driving is as dangerous as getting behind the wheel while under the influence,” said Chief John Batiste, Washington State Patrol. “A simple awareness by drivers can prevent them from getting behind the wheel tired and taking a life.”

That’s why the National Sleep Foundation and Washington State Governor Jay Inslee have declared November 2-8 “Drowsy Driving Prevention Week.”  Join us in “waking up” and practicing alert driving strategies. If you know you’re tired, but you have to drive somewhere, plan a little extra time to prepare:

- Have a cup of coffee or other caffeinated beverage
- Get some fresh air
- Take a power nap before you hit the road
- Listen to energizing music or a podcast that interests you
- Keep the temperature in the car cooler

For longer trips, observe these tips for staying awake behind the wheel:

- Get a good night’s sleep before hitting the road
- Don’t be too rushed to arrive at your destination
- Take a break every two hours or 100 miles to refresh
- Use the buddy system to keep you awake and share driving chores
- Avoid alcohol, drugs and medications that cause drowsiness as a side effect
- Avoid driving when you would normally be sleeping

Then, slowly adjust your bedtime an hour or two earlier than usual and remember:  A good night’s sleep is not a luxury.  It’s a necessity!

Drowsy Driving Banner

For more information about drowsy driving and how to prevent it, please visit DrowsyDriving.org or aaafoundation.org/drowsydriving


It’s Teen Driver Safety Week – Talk About the “5 to Drive”

19
Oct
2015

5 to Drive - Teen Driver Safety Week with McClain Insurance

Every year in October, the National Highway Traffic Safety Administration hosts ‘National Teen Driver Safety Week’ to raise awareness for the fact that motor vehicle crashes are a leading cause of death for 15 – 19-year olds in the US.  In 2013, over 2,600 teen drivers lost their lives in a motor vehicle crash, and an estimated 130,000 were injured.

5 to Drive - Teen Driver Safety Week with McClain Insurance Services Everett WA

The “5 to Drive” are the necessary safety rules that address the five biggest dangers teens face when operating a vehicle: Texting – Speeding – Seat Belts – Alcohol and Passengers.

Even though it’s hard to believe that your teen is actually listening to what you have to say (let alone follow what you say when you aren’t there), talking about the safety rules is the most important thing you can do as a parent!

That’s why we encourage you to be persistent, and give ‘the talk’ every time they head out!  Join parents across the country in the “5 to Drive” campaign.  Here are your talking points:

5 to Drive - Teen Driver Safety with McClain Insurance Services Everett WA1. No Drinking and Driving.

Despite the fact that the possession or the consumption of alcohol before the age of 21 is illegal, almost one in five teen driver crashes involves alcohol.  Remind your teen that alcohol and driving should never mix – no matter your age.

 

5 to Drive - Teen Driver Safety with McClain Insurance Services Everett WA2. Buckle Up. Every Trip. Every Time. Front Seat and Back.

Studies show that teens aren’t buckling up.  In 64% of fatal crashes, teen drivers’ passengers weren’t buckled.  If the teen driver himself wasn’t buckled, the percentage of unrestrained passengers jumped to 90 percent!   Remind your teen that it’s important to buckle up on every trip, no matter how far or how fast. 

 

5 to Drive - Teen Driver Safety Week with McClain Insurance Services Everett WA

3. Put the Phone Down. One Text or Call Could Wreck It All.

Remind your teen about the dangers of texting or dialing while driving, and that the phone is off-limits when they are on the road.  (That said, remind them that any distraction – including eating, applying make-up, or changing the music – can have deadly consequences.)

 

5 to Drive - Teen Driver Safety with McClain Insurance Services Everett WA4. Stop Speeding Before It Stops You.

Drive the speed limit and require your teen to do the same. Explain that every time your speed doubles, your stopping distance quadruples.

 

 

5 to Drive - Teen Driver Safety with McClain Insurance Services Everett WA5. No More Than One Passenger at Any Time.

Research shows that the risk of a fatal crash goes up with in direct relation to the number of teens in a car:  More passengers equal more distractions and increased peer pressure.  That’s why many states have adopted a restricted passenger law for teen drivers. Washington State Teen Driving Law states:

  • For the first six months, no passengers under age 20, except for family members;
  • For the second six months, no more than three passengers under age 20.

 

Start the conversation now, and more importantly:  Keep the conversation going!

Don’t be afraid to get creative – leave sticky notes, sing a song, write a letter or even use social media to get your message across.  They might roll their eyes – but they’ll get your message.

Having a little fun is good and well, but remind your teen that driving is a privilege, not a right, and should be taken seriously.  A signed parent-teen driver contract can be a great tool to create accountability and outline the rules and consequences.

Last but not least:  Be a good example.  The old rule of “Do as I say, not as I do” does not apply here — your teen’s life depends on it.  Show consistency by observing the rules you set:  Put away the phone, obey the speed limit, don’t drink and drive and buckle up.

 

 

 

 


Is Your Vehicle Ready for Fall?

15
Oct
2015

Is your vehicle ready for the cold and rainy season?  A little preparation now can save you lots of hassle later… Check out our tips, invest some TLC, and take fall by storm!  Here’s to a safer winter commute!

Is Your Car Ready for Fall? Fall and winter car safety tips

 


Support Everett Christmas House This Month

11
Oct
2015

ChristmasHouseIt’s never too early to think about Christmas!  At least not when you can think of 9,000 children from over 3,000 families that you’d like to bless with a gift.

For the ‘elves’ at Everett Christmas House, Christmas is a year-round affair.  Since 1981, when Christmas House founder Ron Fraser held the first Christmas gift give-away in his garage, the organization has seen a steady growth and has been able to serve more Snohomish County families in need.  The concept is easy: Christmas House provides an opportunity for qualifying, low-income, Snohomish County parents to select free holiday gifts for their children age infant – 18 yrs old.  Their temporary Christmas ‘store’ is located in the Boys & Girls Club gym and opens in December. Christmas House accepts donations of new toys and games, as well as financial contributions.

The McClain team has a soft spot for all things Christmas!  Team member, Caitlin, fondly remembers a tradition that her mom held near and dear:

Christmas House _Caitlin

“Every year around Christmas time, we would go Christmas shopping with her and help pick out gifts for children in need that we would then donate.  Christmas House is just such a place where gifts can be donated, and then the parents can ‘shop’ for, or select, free holiday gifts for their children.  I just remember that really well from my childhood.”

 

 

We love Christmas!  That’s why we’re so excited to feature Everett Christmas House as our October Referral Charity of the month!

The best part:  You can be part of bringing holiday cheer to local families in need – no striped stockings or pointy hats required!  

Simply refer a friend to our office for a policy review by October 31st, and we will make a $25 donation to Everett Christmas House.
Call 425-379-9200 for more information or a policy review, or visit www.AutoHomeBoat.com.

Refer a friend to McClain Insurance Services in Everett, WA for a $25 donation to a local charity

*****

McClain Insurance Services is an independent insurance agency located in Everett, WA. The agency represents a select group of regional and national insurance companies, including PEMCO, Safeco, Travelers and Progressive.

Since 1977, McClain Insurance Services has offered quality insurance options to customers in Snohomish County and Washington state.  Our convenient full-service website and our team of licensed, professional brokers make insurance shopping personal, easy, quick and hassle-free.



Independent agents work with you to customize an insurance plan that meets your needs and fits your budget. They can help with all your personal insurance needs: AutoHomeRentersLifeUmbrellaEarthquakeFloodBoatMotorcycle and RV Insurance.



McClain Insurance Services is a Trusted Choice agency and a member of the Independent Agents Association of America, the Economic Alliance of Snohomish County, and the BBB. They are also Charter Members of NSACE – National Society of Agents for Consumer Education.


5 Reasons Why YOU Should Have Umbrella Insurance

23
Sep
2015

1. You’re Human. You Make Mistakes.

Umbrella / Extended Liability Insurance from McClain Insurance Services in Everett, WA

Even a”small” backing accident can trigger extensive damage.  Click this link to read the story of “Just a little backing accident”.  A few years ago, a Seattle driver of a Ford pickup didn’t see a fire hydrant in the corner of an industrial warehouse parking lot as he was backing out of a parking space.  The resulting high-pressure discharge of water from the hydrant flooded the parking lot, creating a massive sinkhole and restricting access to the commercial building for days.

2. Cars and Medical Payments Are More Expensive

bmw

As our society’s standard of living improves, so does the cost to repair or replace vehicles damaged in accidents.  Recently, one of our clients rear-ended a $70,000 BMW and the impact pushed the BMW into a 2013 Range Rover!   Without an umbrella policy, our client might be reaching into his savings to pay for the cost of repairs that exceeded his property damage liability limits.

Similarly, the cost of medical treatment has increased exponentially.  Even a 24-hour stay in a hospital can cost tens of thousands of dollars when you factor in ambulance or air-lift, x-rays, and diagnostic tests.   And should an injury require long-term rehabilitation and physical therapy, the costs can be staggering.

3. Homes and Boats Can Jeopardize Your Financial Future

Many people tell us that they are safe drivers and are unlikely to be at-fault in a car accident.  Very true!  We strive to insure the most careful of drivers.   However, accidents can happen anywhere!  Two of our largest liability claims have happened at home.  In one case, a 5th grade boy walking home from school decided to climb a large tree in the front yard of one of our clients. In reaching for a branch, he touched a live electrical line running through the tree and was electrocuted.   Thankfully, he survived, but faced permanent injuries.   A seven-figure settlement was shared between our client who owned the home and the local utility district.

In another case, a fun day of boating on one of our area’s beautiful lakes turned into tragedy when the sun’s glare off the water temporarily blinded the operator of a 26 foot ski boat.  He collided with a smaller boat, causing significant damage and serious injury to another boater.

4. Standard Liability Limits Are No Longer Sufficient to Protect Your Assets

It has become clear that liability limits on many car, home or boat insurance policies may no longer be adequate to meet these increased risks in our everyday lives.  What was perfectly sufficient coverage only a few years ago may not fully protect your assets today.

5. People Are Quick To Sue – And You Don’t Have to Be a Millionaire to Be Sued Like One

Protect your assets in case of a liability lawsuit with umbrella Insurance from McClain Insurance Services in Everett, WA

Being a nice person isn’t enough to avoid a major loss.  Even if the person you injure does not want to make a claim against you or file a lawsuit, their medical insurance company will require them to do so!   Every individual and group medical insurance policy states that its coverage is secondary to insurance coverage available from the at-fault party.   So, if  you are sued and held liable for an amount that exceeds the limits of your insurance policy, you will be expected to pay the difference out of pocket.

Empty pockets?  Then, likely, a court will attach your assets:  your home, cars, savings accounts, retirement plans, children’s’ college fund and possibly even your future earnings.

Yikes!  Just because you aren’t a millionaire doesn’t mean you can’t be sued like one.

 

The bottom line is:  An Umbrella Liability policy is truly an insurance consumer’s best friend!  It helps protect your assets and provides peace of mind at a cost of roughly $20 per month per $1 million of protection.  It is one of the best values, dollar-for-dollar, available from insurance companies today.

If you haven’t thought about rounding out your protection plan with umbrella insurance, we strongly advise you to do so!

Call our office at 425-379-9200 or visit our website: www.autohomeboat.com/umbrella  for more information.

 

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About McClain Insurance    -    www.AutoHomeBoat.com

McClain Insurance Services is an independent insurance agency located in Everett, WA. The agency has represented quality insurance companies (including PEMCO, Safeco, Travelers and Progressive) since 1977.

Independent agents work with you to customize an insurance plan that meets your needs and fits your budget. They can help with all your personal insurance needs: Auto, Home, Renters, Life, Umbrella, Earthquake, Flood, Boat, Motorcycle and RV Insurance.

McClain Insurance Services is a Trusted Choice agency and a member of the Independent Agents Association of America, the Economic Alliance of Snohomish County and the BBB. They are also Charter Members of NSACE – National Society of Agents for Consumer Education.