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We are thrilled about the opportunity to add purple to our mix of fan colors:  PEMCO Insurance and the University of Washington’s Alumni Association have recently partnered up to bring the best of local Northwest insurance options to UW alumni!

If you are a University of Washington graduate and/or member of the UW Alumni Association, please give us a call to claim your new PEMCO discount!

PEMCO Insurance explains:  “Any policyholder who’s a UW graduate with a bachelor’s or advanced degree, living in Washington or Oregon, qualifies for this discount. Customers who qualify for the Educator Discount and graduated from the UW will receive the Educator Discount only.”

We couldn’t resist and invested in an assortment of Husky Fan Gear for our fellow lovers of purple!! Call us before Friday, February 28th and qualify yourself to win in our PEMCO Husky Fan Raffle!

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The Everett Public Schools Foundation was founded 30 years ago with the notion that our community should develop resources above and beyond state and government funding to help strengthen academic achievement in the Everett Public Schools.

The foundation’s support ranges from academic enrichment (such as classroom grants, tuition assistance, college planning and scholarships) to student support programs, including school supplies and lunch / food.

By raising community support, the Foundation’s goal is to see that all learners in the Everett public schools have the resources they need to succeed.

This month, there are TWO ways for you to see the Everett Public Schools Foundation in action!

Watch community support happen as you simply refer a friend to McClain Insurance Services for an insurance quote.  

For each referral we receive during the month of February, we will donate $25 to the Everett Public Schools Foundation.

For more information about our Referral Rewards Program, please click here.

Looking for more?  Join the Foundation’s 21st Annual Benefit Breakfast on Wednesday, March 4th, from 7:30am – 8:15am at the Edward D. Hansen Conference Center in Everett.

Thanks to keynote speaker Dr. AnnRene Joseph of More Arts! LLC, special focus will be placed on celebrating the Arts in education.  Local students will be present to demonstrate their skills in music, art and performance.

 

RSVP by 2/27/2015 at 425-379-9200 and join the McClain Insurance Team for the annual EPSF Benefit Breakfast!

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A recent  press release by the Office of the State Fire Marshal reminds to be careful when using indoor space heaters during these cold winter months.  Please stay warm — safely!!

Four people have been killed in two recent home fires caused by portable electric space heaters. “The use of space heaters increases during the colder winter months, we want residents to stay warm, but we also want them to be safe,” say Fire Marshal Chuck Duffy. Duffy urges caution and asks that residences using space heaters practice safe heating behaviors, as this is the peak time for home heating fires.

The State Fire Marshal’s Office offers the following safety tips:

  • Ensure that the heater is placed on a stable, level surface, and located where it will not be knocked over.
  • Never power the heater with an extension cord or power strip.
  • Keep combustible material such as beds, sofas, curtains, papers, and clothes at least 3 feet from the front, sides, and rear of the heater.
  • Be sure the heater plug fits tightly into the wall outlet. If not, do not use the outlet to power the heater.
  • Never operate a heater you suspect is damaged. Before use, inspect the heater, cord, and plug for damage. Follow all operation and maintenance instructions.
  • Never leave the heater operating while unattended, or while you are sleeping.
  • During use, check frequently to determine if the heater plug or cord, wall outlet, or faceplate is HOT!
  • If the plug, outlet, or faceplate is hot, discontinue use of the heater, and have a qualified electrician check and/or replace the plug or faulty wall outlet(s).
  • If the cord is hot, disconnect the heater, and have it inspected/repaired by an authorized repair person.
  • Lastly, make sure you always have working smoke alarms installed in your hom

To learn more about winter fire safety visit the U.S. Fire Administration website at:http://www.usfa.fema.gov/prevention/outreach/winter.html

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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 States firefighters, and collecting emergency response data.

 

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If you are in the market for a new car and are looking to take advantage of low prices and dealer incentives before year-end, be sure to read this before you head out to the lot!

A little preparation will go a long way in making everything go smoother when you add your new car to your protection plan.  It can also help avoid surprises by giving you an estimate on how your insurance will be affected with a new mini-van versus that sports coupe you’ve had your eye on.

Tip 1:  Make and Model Matter!

A sporty car will likely bump up your insurance rates up, especially if you have a young driver in your household.  The difference between the Honda Odyssey versus Ford Mustang is not just in the looks.

Tip 2:  Safety Features Don’t Always Get Insurance Discounts

Many new vehicles are equipped with high-tech safety features, backup cameras and other electronic bells and whistles.  For many car shoppers, it’s exactly those safety features that can make or break a deal.  And it’s a perfectly logical assumption that a safer car will rank better when it comes to insurance, as well.  However, here’s why more electronics don’t necessarily translate into an insurance discount:

In case of an accident or loss, it’s those vehicle computers that tend to require the most complex and expensive repairs – which, of course, means higher repair costs.  Your new insurance premium will take this into consideration.

Tip 3:  Have Insurance When You Drive It Off The Lot

“We are not buying a new car today.  We’re just looking!” are the famous last words of many car shoppers… before they drive their new vehicle off the lot.

And you’ll want to be sure that you have insurance coverage for that new ride from the moment it rolls off the curb.  But sometimes, that phone call to your insurance agent is hard to make on the weekend…. And then what?

Your car dealer will likely point out that it’ll be fine and that you have 30 days to add the new car to your plan.   Problem is, that’s not always true.

If you’re trading in a vehicle, thereby switching one vehicle on your protection plan for another one, coverage will likely extend to the new car on a standard insurance policy.  But if you add a vehicle to your household ‘fleet,’  it’s not so easy.

Additionally, there are a variety of additional factors that can affect whether or not your insurance will extend.

Bottom line:  Don’t rely on the 30-day rule.  If you are beginning to think about buying a new car, give your insurance team a quick call right away, and we’ll set you up right.  So that when you finally go to buy the new car, you don’t have to worry.  It’s as easy as that.

Tip 4:  Bridge That Gap – With Gap Coverage

As purchase you new car, you may be presented with the option to buy auto loan/lease or “gap” coverage.  “Gap” coverage is needed when you are “upside-down” on your car loan.  This can happen if you take on a loan with a zero or low down payment, financing most of the car’s cost.

Since cars depreciate incredibly fast, and as a result, the amount that you owe on the car will quickly be greater than the car’s value.

This becomes troublesome when your car is stolen or involved in an accident.  After a total loss, your insurance is only obligated to pay the fair market value of the vehicle.   This may leave you in a position where you still owe thousands of dollars on a vehicle that you can’t even drive any more.

This is where gap coverage comes in. It pays for the difference between the market value of your car and the amount you have left on your loan.

If you’re financing your new car, be sure to sign up for this important coverage on your protection plan.  We recommend “gap” coverage for all leased vehicles unless it is offered automatically by the leasing company.   Drivers of leased vehicles can be even more “upside down” than traditionally financed vehicles.

Tip 5:  An Independent Insurance Agent Can Help You Be Flexible

We understand that you may not know what you’re looking for before you head out, or if your search for a new car will even be successful.

But if you work with an independent insurance agent, all it takes is a quick phone call to advise your broker that you’re “on the hunt.”  He or she will be able to set you up so you can go shopping with the good feeing of being prepared, without restraint or pressure.

Car shopping in Washington, Oregon or Utah?  Give us a call at 425-379-9200 or simply fill out the form, below, for more information.

 

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Christmas is in the air, and many of us are still hunting for that meaningful stocking stuffer.  Jewelry, movie tickets or gift cards? Check, check and check — those have been successfully ‘stuffed’ last year and the years before.

But have you ever thought about giving a renter’s insurance policy?  It’s a perfect gift for the college student or young adult in your life who recently launched into the freedom and independence of having a place of their own.  It’s the perfect gift to show you care!

Why?  In the hustle of leasing, signing, coming up with first and last month’s rent, and moving in, renter’s insurance often fails to make onto many new tenants’ radar.  Common myths about renter’s insurance include that “it’s too expensive,” “I really don’t have much stuff,” or “Isn’t insurance the landlord’s responsibility?”

Thing is, renter’s insurance isn’t just there to protect the ‘stuff’ inside the dorm room or apartment.  Not only does it protect personal belongings at home or on the go, but also (and maybe more importantly), it provides liability protection.  This could apply if a candle is left burning and sets an apartment complex on fire – or if the tenant goes skiing and accidentally hits and injures a fellow skier on the slopes

In recent years, proof of renter’s insurance has become a requirement for lease in many apartment complexes.  Yet, only 31% of tenants actually buy renter’s insurance, according to a 2012 survey by the Insurance Information Institute.

Renter’s insurance can be purchased easily from an independent agent  –  and when “combined” with a car insurance policy, it can even save quite a bundle.

With a renter’s insurance policy, you can give the gift of protection and peace of mind, while helping that young adult in your life off to a great start!

For more information, please give us a call today at 425-379-9200, or simply fill out the form, below:

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‘Tis the season when we think about our loved ones, and how we can bless them with a big or small surprise.  Problem is, most of them already have everything!! (Or so it seems.)  We can help:  This year, give the Gift of Safety!  Our team has worked together to bring your our favorite safety gift ideas:

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Still looking for a Christmas present for that special kiddo in your life?

Memberships and subscriptions for kids have become a popular Christmas trend in pastyears, replacing the clutter and quick depreciation of plastic toys with recurring fun and creativity for the whole year.

The Everett Children’s Museum is just such a place where imagination can soar and year-round favorite activities alternate with monthly specials, crafts, science projects and performances.  (And, parents:  They even offer childcare for the occasional Mom and Dad’s Night Out!!)

 

Kids can learn about art, physics and history in a safe, fun and playful way – and in the highly unlikely case they get bored, they can hop off to water games, have a dance party in the light studio, chuff some trains or curl up with a book in the tree house.

Rainy day boredom – busted!

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

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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.

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As the Holidays draw near, you might be packing up your family to head out – over the river and through the wood – to various winter festivities.  But on slippery roads and with unpredictable weather, it’s important to be prepared.  From something as simple as ugly traffic, to blizzard-like conditions over the mountain passes that brings your road trip to a complete stand-still, anything could happen in winter.

And with freezing temperatures, it’s even so much more important to think ahead and pack.  Take a look at our handy list, which features everything from safety tips to basics for your emergency kit, and even favorite ways to pass the time!

 

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As temperatures drop below the freezing point, it can be tricky to keep the house warm and cozy.  An extra heater in the room sometimes does the trick… But be careful as you use appliances and heaters!  Circuits can be overloaded quickly and cause home fires.  Stay safe with these tips from the Office of the State Fire Marshal:

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Electrical fires in homes account for over 26,000 residential fires annually, resulting in 280 deaths and over $1 billion in property loss in the United States.

“Traditionally, we see more electrical fires occur in Washington State during the winter months,” says State Fire Marshal Chuck Duffy. “Loss of life and property resulting from electrical fires can be avoidable if you exercise a few simple steps.” He suggests the following guidelines to help ensure that you and your family are safe from shock hazards and electrical fires this winter:

Safety Tips

  • Routinely check your electrical appliances and wiring. Replace any worn or damaged appliance cords immediately. Do not try to repair them.
  • Buy only appliances that have the label of a recognized testing laboratory.
  • Appliances should be plugged directly into a wall outlet. Never use an extension cord. If you must use an extension cord, use only surge protectors or power strips that have internal overload protection and have the label of a recognized testing laboratory.
  • Unplug small appliances when not in use.
  • If an appliance has a three-prong plug, use it only in a three-slot outlet. Never force it to fit into a two-slot outlet or extension cord.
  • Replace any electrical device if it causes even small electrical shocks, overheats, shorts out or gives off smoke or sparks.
  • Use light bulbs that match the recommended wattage on the lamp or fixture.
  • Avoid putting cords where they can be damaged or pinched by furniture, under rugs and carpets, or across doorways.
  • Extension cords are for temporary use only. Have a qualified electrician determine if additional circuits or wall outlets are needed.
  • Electrical work should be done only by a qualified electrician. Call an electrician if you have any of the following:
    • Recurring problems with blowing fuses or tripping circuit breakers
    • A tingling feeling when you touch an electrical appliance
    • Discolored or warm wall outlets or switches
    • A burning smell or rubbery odor coming from an appliance
    • Flickering lights
    • Sparks from a wall outlet
    • Cracked or broken wall outlets

Finally, having a working smoke alarm dramatically increases your chances of surviving a fire. Remember to practice a home escape plan frequently with your family.

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, and training Washington State’s firefighters

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The days are getting shorter, evenings are getting cozier, and the smells of cinnamon and eggnog waft through the air, as most of us are gearing up for the Holiday season.It’s fun to give and watch the recipient’s face light up as they unwrap the long-awaited present.  That’s especially true for children! And so, it’s no surprise that most of us parents are tempted to go a little overboard in an effort to make Christmas special.Except that many parents can’t afford to buy presents – let alone go overboard. If the income is tight, preciousdollars go to paying for shelter, warmth and food.  For many Snohomish County families, Christmas presents are a luxury.

Put yourself in the shoes of moms and dads who would love to give their children even just one gift, but can’t.

Thanks to the Everett Christmas House, there is hope!  In 2013, more than 3,000 local families were able to bring smiles to their children’s faces on Christmas morning.  With lots of donated gifts to choose from, parents in need were sure to find something special at the annual Christmas House holiday store.

This month, YOU can play Christmas Elf with us: Refer a friend for an insurance review, and we will donate$25 donation to the Everett Christmas House just in time for the Holidays!

*****

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.

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