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

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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.


Support PEPS – Program for Early Parent Support

21
Sep
2015

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

 

PEPS2PEPS stands for “Program for Early Parent Support” and brings together new parents with a community of families.  Connections forged by the young parents often last from the newborn age to well into the children’s teen years.  Needless to say, many families have developed deep friendships over the years.

The Pembrokes are one of those families.  McClain Insurance agent, Nick and his wife, Meghan, joined their local PEPS group after the birth of their daughter, Ada, four years ago. They both agree that it was one of the best decisions they made in their journey of parenthood, and they still get together regularly with their PEPS people.

Happy PEPS Kids, Ada and August Pembroke.

Happy PEPS Kids, Ada and August Pembroke.

Those get-togethers have grown in size as the families (including Nick and Meghan Pembroke) have welcomed younger siblings.  “It truly takes a village to raise children,” says Nick, “and PEPS is our village.”

Founded in 1983, “the PEPS experience strengthens families, increases family wellness, and prepares families to cope with life stresses by creating social, thriving neighborhood-based parent groups.” PEPS reaches approximately 3,000 families every year.

This month, you can make a new mom’s or dad’s day, simply by referring a friend to McClain Insurance for a policy review.  It only takes 3 steps:

1) Identify a friend who could benefit from an insurance review that might even help them save a few dollars.  Who couldn’t use that?

2) Tell them about us and give them our phone number (425-379-9200) or web address:  www.AutoHomeBoat.com

3) Encourage them to call us by September 30th.

We will take it from there!  When they call and mention your name (no worries if they forget, we always ask) we will make a $25 donation to PEPS.

And if they don’t call us right away? Well, then your referral reward will benefit our October Charity of the Month, Christmas House.


McClain Insurance Services Voted “Best Insurance Agency” by Local Consumers

14
Sep
2015
McClain Insurance Services is Readers' Choice Award Winner 2015

McClain Insurance Services voted “Best Insurance Agency” in the Herald’s Readers’ Choice Awards for the second consecutive year.

(Everett, September 13, 2015) —  Local independent insurance agency, McClain Insurance Services, was honored over the summer to receive the Herald’s Readers’ Choice Award for the second consecutive year.

Voted “Best Insurance Agency 2015” by clients and neighbors, McClain Insurance principal, Claudia McClain, explains:

“We are so thrilled and honored to receive this award for the second year!  I know my team, and I see how hard they work to find the best plan possible to meet each individual client’s needs.  The media often promotes the idea that insurance is a ‘one-size-fits-all’ product, only differentiated by price.  That’s so far from the truth!  Most consumers don’t know that they can get – and deserve to get – a customized protection plan that meets their household’s needs and budget.  As an independent insurance agency, we can help with that!”

McClain Insurance Services Team Photo.2  9-2014

The McClain Insurance Protection Team stands ready to serve you.

Outstanding customer service is only part of what drives the McClain Insurance philosophy.  The other part? Giving back!  The agency has supported local causes since its foundation in 1977, and over the years, has developed a structured giving program.

The ‘Pay It Forward’ Referral Rewards program supports a selection of local, family oriented non-profit organizations with a $25 donation per referral each month.  To celebrate the “Readers Choice Award” success, Claudia McClain has decided to share the joy:  Each monthly charity of the year 2015 will receive an additional $250 donation over and above the referral-driven donation.

“It’s been a joy for my husband and I to raise our family in this community. Over the years, we have enjoyed watching Everett grow and expand its activities and offers for families. Thanks to the loyal support of our clients, we have been able to contribute to these programs.  And now, you can only imagine how thrilled I am to take my own granddaughter to Everett’s events, and to see my team members enjoy what Everett has to offer with their families!  Giving back and watching it all come full circle has been a huge blessing.”

With a passion to provide local families with the protection plan that fits their needs and budget, paired with the philosophy of “Paying It Forward, ” the team at McClain Insurance Services has set out to help make this community a better place to live and thrive.

As many families are taking the beginning of a new school year as an opportunity to re-organize and re-evaluate household needs, consumers are invited to schedule an insurance policy review with McClain Insurance Services, or visit online at www.AutoHomeBoat.com for more information.


Update! Cinema Under The Stars Bonus Showing on August 28!

21
Aug
2015

Everett Cinema Under The Stars with Big Hero 6 and McClain Insurance

For the Cinema season premiere, we got rained out – but a real super hero never gives up!  Instead of kicking off Cinema Under the Stars, we have made special arrangements with the City of Everett and get to deliver the grand finale!

Join the McClain Insurance team for the end-of-season showing of “Big Hero 6” at Everett’s Summer Outdoor Movie Series “Cinema Under The Stars” on Friday, August 28, 2015  – 7:30pm at Thornton A. Sullivan Park.  Yes – the City of Everett has extended the Cinema Season especially for Big Hero 6!

“Our team loves this movie and easily identifies with Baymax, the personal healthcare companion,” says Claudia McClain, the owner of McClain Insurance Services.  “Much like Baymax, we like to think of ourselves as ‘your personal insurance companions’ – ready to step up as your insurance super-heroes when you need us!”

McClain Insurance Services has been a long-time sponsor of “Cinema.”  The annual night out at the movies has become a McClain team favorite:  “From finding movie-themed gifts for the kids to taking pictures and connecting with local families – Cinema is one of the highlights of our summer!  We’re so glad we get a second chance this year. Let’s hope the weather cooperates this time” says Claudia McClain, owner and principal of McClain Insurance Services.

Don’t miss out on your free super-hero-themed gift.  Join the McClain Insurance team on Friday, August 28!  Pre-show entertainment starts at 7:30pm, movie starts at dusk.  Bring your blankets and chairs; snacks are available (cash only.)

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McClain Insurance Services is an independent insurance agency located in Everett, WA. The agency has represented a number of regional and national insurance companies (including PEMCO, Safeco, Travelers and Progressive) since 1977.   Our convenient full-service website and our team of licensed, professional brokers make insurance shopping personal, easy, quick and hassle-free.  Contact us for all your personal insurance needs:  auto, home, boat, renters, life, umbrella, RV, motorcycle, earthquake and flood insurance.


Join McClain Insurance Services and PEMCO Insurance for Cinema Under the Stars 2015

14
Jul
2015

Cinema - Big Hero 6

Calling all superheroes!  Join the McClain Insurance team and PEMCO WALLY Van as we kick off Everett’s Summer Outdoor Movie Series “Cinema Under The Stars” on Friday, July 24, 2015  -7:30pm at Thornton A. Sullivan Park on Silver Lake with the movie “Big Hero 6.”

“Our team loves this movie and easily identifies with Baymax, the personal healthcare companion,” says Claudia McClain, the owner of McClain Insurance Services.  “Much like Baymax, we like to think of ourselves as ‘your personal insurance companions’ – ready to step up as your insurance super-heroes when you need us!”

McClain Insurance Services has been a long-time sponsor of “Cinema.”  The annual night out at the movies has become a McClain team favorite:  “From finding movie-themed gifts for the kids, to taking photos of guests and handing out personalized free souvenirs on the spot (thanks to the PEMCO WALLY team) – Cinema is one of the highlights of our summer!” says Claudia McClain, owner and principal of McClain Insurance Services.

Don’t miss out on your free super-hero-themed gift and photo (only available at opening night!)  Join PEMCO and the McClain Insurance team on Friday, July 24!  Pre-show entertainment starts at 7:30pm, movie starts at dusk.  Bring your blankets and chairs; snacks are available (cash only.)

Mark your calendar for all of the 2015 “Cinema” shows:

Friday, July 24:          Big Hero 6

Friday, July 31:          Frozen

Friday, August 7:        Maleficent

Friday, August 14:      Paddington

Friday, August 21:      Cinderella

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McClain Insurance Services is an independent insurance agency located in Everett, WA. The agency has represented a number of regional and national insurance companies (including PEMCO, Safeco, Travelers and Progressive) since 1977.   Our convenient full-service website and our team of licensed, professional brokers make insurance shopping personal, easy, quick and hassle-free.  Contact us for all your personal insurance needs:  auto, home, boat, renters, life, umbrella, RV, motorcycle, earthquake and flood insurance.

 


Fourth of July Safety and Fire Prevention

2
Jul
2015
Happy Independence Day! Happy Fourth of July!

Happy Independence Day!

In light of  our hot and dry weather, we appeal to you:  Please refrain from lighting personal fireworks this 4th of July!  

Please remember that all fireworks are illegal in Everett.  Over the years, our office sadly has sadly come across dozens of firework-related injuries, claims and even a home entirely destroyed by fire.

Please plan to join local festivities, for example the Everett Parade at 11am, the Everett Legion Park Festival from 1pm – 11pm, and the public fireworks show “Thunder on the Bay” at 10:20pm.

State Fire Marshal Charles M. Duffy announced today that there were 155 suspected fireworks-related fires in 2014. These fires accounted for an estimated loss of over 320 thousand dollars. 

Let’s work together to keep our communities safe.  The office of the Washington State Fire Marshal has published this press release on when it’s appropriate to call 9-1-1:

Fireworks and Calling 911; When is it appropriate

Every year around the Fourth of July, 911 operators are inundated with calls regarding fireworks. The majority of these calls are non-emergency related, but tie up the 911 system, potentially delaying an emergency call from getting through.

The chart below has been produced with input from a number of Emergency Dispatch Centers and should be used as a guide when determining to call 911 regarding fireworks.

Who do you call to report illegal fireworks or suspicious activities involving fireworks?

Incident or Question? Call 9-1-1? If not a call to 9-1-1 who should I call?
Are fireworks legal within the city or county I live in?

No

Fireworks inquiries can be answered by searching the internet for local restrictions or calling the local police or fire department’s non-emergency phone number.
 I want to report fireworks violations.

 No

Fireworks violations may be reported by calling the police department’s non-emergency phone number.
I have a firework related injury from using fireworks.

Yes

Call 9-1-1

A fire has started from the use of fireworks.

Yes

Call 9-1-1

The neighbor is using illegal fireworks (M-80’s).

Yes

Call 9-1-1

Or the local police department’s non-emergency phone number.
Where do I get a Fireworks Stand License from?

No

Call the Office of the State Fire Marshal at (360) 596-3913 or check the internet.
I have old consumer fireworks I want to get rid of.

No

Call the local police or fire department’s non-emergency phone number.
I have found a short piece of pipe with a fuse coming out of it.

Yes

Call 9-1-1

Leave the device where it is and do not pick it up.
There is a storage container at the neighbor’s house loaded with fireworks.

No

Call the local police or fire department’s non-emergency phone number.
My next door neighbor is making fireworks in his garage.

Yes

Call 9-1-1

Calling 9-1-1:            

Reporting illegal activities or use of fireworks to 9-1-1 should be limited to those instances when the activity is in progress and poses a threat or danger to others or yourself.

Remember the 3 B’s of Fireworks

  • Be Prepared—Have water nearby and put pets indoors
  • Be Safe—Only adults should light fireworks
  • Be Responsible–Clean up fireworks debris 

The Office of the State Fire Marshal is a Bureau of the Washington State Patrol, providing fire and life safety services to the citizens of Washington State including inspections of state licensed facilities, plan review of school construction projects, licensing of fire sprinkler contractors and pyrotechnic operators, training Washington State’s firefighters, and collecting emergency response data.

 

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Drowning Can Look Different Than You May Think

22
Jun
2015

Swimming Lake

It’s officially summer and it seems that blue skies and bright sunshine are here to stay!  What better way to cool off than with a trip to a local swimming beach.  But as you prepare to take your family to the water, keep in mind that most local swimming beaches have eliminated life guards for cost and liability reasons.

Every parent and caretaker knows to keep a close eye on kids near the water.  Drowning is the #2 cause of accidental death for children aged 15 and under (right after vehicle accidents).  About half of these children will drown within 25 feet of a parent or other adult.

The problem is:  Drowning may look different than what we expect.  Do you really know what you are looking for when watching your kids play in the waves?

Many of us are under the impression that a drowning person would get our attention by splashing, coughing, waving, or calling for help.  And indeed, a person who shows all these signs is in very severe distress and in need of rescue.

Drowning, however, often happens very quietly. There is very little splashing, waving, or calling involved.

A person who is drowning experiences the Instinctive Drowning Response:  The body instinctually suppresses all secondary or overlaid functions – such as speaking, calling, or waving – to focus on the most basic need that is to breathe.  A drowning person barely has the time to exhale and inhale for a breath of air before their mouth is again submerged by water.  Calling for help takes a back seat to gasping for air; there is no capacity left for another function.

Similarly, a drowning person is also unable to control their arm movements.  The Instinctive Drowning Response reflex forces them to stretch their arms out laterally, pushing down on the surface of the water.  Drowning people are physically unable to wave, grab hold of, or hold on to a rescue device.

Often, people who are drowning are in the water vertically, without any support through kicks or leg movement.  Their struggle often lasts no more than 20 to 60 seconds – less than a minute – before they succumb to the water.

Therefore, don’t only pay attention to the verbal and physical signs of aquatic distress, but also look for swimmers who display these less obvious warning signs:

  • The head is low in the water, the mouth barely above the surface
  • Head is tilted back, mouth open
  • Eyes are closed or unable to focus
  • The person is attempting to swim, but not actually moving
  • Body is upright in the water with no obvious leg movement; sometimes it seems as if they were climbing an invisible ladder.

What can you do?  Most importantly – be aware!  If anything seems unusual, check.  Talk with the person in distress.  A person who is able to respond is likely to be able to assist in their rescue.

Be concerned when it gets quiet.  This is true especially for children:  Children make noise when they play.  If it gets quiet, go check. Quickly.

Lastly, don’t forget: Observing swimmers in the water is very straining on the eyes and mind.  That’s why lifeguards are required to take regular breaks!  Allow yourself to take breaks and call your kids out of the water periodically.  Refreshed senses will help you stay alert and keep your family safe near the water.

Source: http://mariovittone.com/2010/05/154/


Book Drive in Honor of National Reading Month!

10
Mar
2015

McClain Insurance Book DriveSt. Patrick meets the Cat in the Hat this year!   Last year’s book drive turned out to be such a great success that we decided to do it again:

In honor of Dr. Seuss’ birthday (and National Reading Month), you can be a “Lucky Leprechaun” to a local elementary student in need.

Simply drop off your donation of new or gently used children’s’ books at our office during the month of March.  We are located at 10410 19th Ave SE in Everett, immediately south of Costco.

We will deliver the books to one of Everett’s public Elementary Schools at the beginning of April.

You don’t have to dig deep to find the many benefits of reading.  Reading inspires, connects and improves IQ, and a good book can be an enormous booster for self-esteem and motivation.  A reading mentor (like Nick in his amazing volunteer work for Big Brothers/Big Sisters of Snohomish County) can be a wonderful role model.

Problem is, many students in our local public schools don’t have easy access to books at home.  This is where our book drive comes in.

Your donation can bless a child with their own book to take home and enjoy.

Ready to Share the Love of Reading? Drop off a book today!

McClain Insurance March Book Drive


Support Big Brothers Big Sisters of Snohomish County

4
Mar
2015

Refer a friend to McClain Insurance Services in Everett, WA for a $25 donation to a local charity This month, please join us in learning more about Big Brothers Big Sisters of Snohomish County (BBBS)!

BBBS is the nation’s largest youth mentoring organization, serving at-risk children who live in  poverty, foster care, or single-parent households, have an incarcerated parent or, for whatever reason, are struggling in school.

BBBS has made it its sole purpose to serve youth ages 6 – 18, both through group-based programs and one-on-one mentoring opportunities.

One-on-one mentoring includes social activities of child and mentor within the community (often referred to as “little” and “big” sister / brother.)  This could be a workout, movie or library and ice cream date (it certainly helps that BBBS fosters a unique affiliation with the Snohomish County YMCA.)

Alternatively, volunteers can sign up to lead a group mentoring program.  This often happens in cooperation with a local school and includes activities such as book clubs, “Sparks Club” (in which students discover and nourish their unique talents and interests with the help of a mentor) or mentoring for high-school students with a focus on graduation and post-graduation.

Nick Pembroke - Big Brothers Big Sisters Snohomish County Volunteer

Nick has been volunteering with BBBS since 2013 as a “Big Brother” mentor and book club leader for the 2nd and 3rd grade students of Madison Elementary in Everett.  He has experienced ‘his’ children’s progress first-hand:  Even a seemingly small weekly structure and ‘talk-time,’ such as a book club, gives the students a boost of confidence, motivation and sense of connection.

BBBS is always in need of more “Big Brothers” and “Big Sisters.” Interested?  Give us a call at 425.379.9200 and we’ll connect you, or simply click here.

Not ready to volunteer at this time? No problem!  This month, you can easily support Big Brothers / Big Sisters of Snohomish County, simply by referring a friend for an insurance review.  Tell them about our agency – when they call and mention your name (no worries, we always ask), we will make a $25 donation to BBBS Snohomish County.