One adulting lesson that is difficult for people to understand is insurance.
Insurance may seem like a waste of money because when you buy insurance, you hope you’ll never have to use it. But accidents and disasters can – and do – happen, and if you aren’t insured correctly you could be left in financial ruin.
That’s where McClain Insurance comes in. As professional insurance agents, we’re here to explain your insurance options and teach you how to win at insurance adulting. Here’s how it works:
- Contact us. We’re available by email, phone, text message, and Facebook Messenger (yes, really!). Prefer talking face-to-face? Schedule an appointment to stop by our office in Everett, Washington.
- We review your insurance options. We partner with multiple insurance companies, so we can give you our unbiased advice on what policies and companies best fit your unique needs. We’ll also talk about discounts you qualify for, like graduating from college or using smart-home technologies.
- You purchase a policy. After we find an option that fits your needs and budget, we walk you through the purchasing process and teach you how to access your insurance information online 24/7. It’s that simple!
Not ready to contact us yet? Here are a few key insurance policies you’ll want to consider:
You may have limited belongings, but you’d be surprised how quickly the cost of replacing them adds up. Renters insurance protects your personal belongings inside and outside your home or apartment. It also provides liability protection if you’re responsible for causing property damage or injury to someone else.
Congratulations on purchasing a home! Homeowners insurance protects your biggest financial investment. Not all homeowners insurance policies are created equally, and sometimes you get what you pay for. This is where our expert advice comes in. Renting your new place on Airbnb to help pay for cover the mortgage? We can help find insurance coverage for that, too.
Purchasing a policy with state minimum limits might seem tempting, but this bare-bones coverage won’t protect you in an accident. The results can be devastating. Other coverages to consider are comprehensive, collision, and rental reimbursement. We’ll break it down for you.
Umbrella policies give you an added layer of liability protection. Why do you need this if you’re broke? Even if you don’t have assets, courts can – and will! – award benefits to a third party if you’re responsible for damages. If you don’t have an umbrella policy, you may have to pay these damages with your future earnings.
Life insurance is the next step in insurance adulting. It’s a must-have if you have financial responsibilities such as a child, student loans, or mortgage. Thinking about death isn’t fun, but part of adulting is thinking about your family and other loved ones. You don’t want to leave them with your financial responsibilities when you’re gone.
Pack your emergency kit before the Big One hits. Whether it’s an earthquake, flood, or windstorm, being prepared for emergencies pays off. After your insurance policies are set up, emergency preparedness should be the next thing on your adulting to-do list.