Welcome
Located in Historic North Billerica, McBride Insurance has been insuring the needs of the greater Billerica area since 1962. We specialize in Property & Casualty insurance and also provide affordable life insurance to our customers. Our highly knowledgeable staff is made up of licensed brokers and highly trained customer service representatives with years of experience in the insurance industry. Together, we provide our customers with timely and personal assistance while providing affordable insurance coverage.
What sets us apart from the rest: At McBride Insurance, our customers receive annual policy reviews to ensure that they are properly covered. New policy holders are presented with all coverage options and any available discounts. These options are represented in a clear and concise manner so that our insureds understand what their policies cover. We offer Personal lines and Commercial lines coverage from the two largest carriers in Massachusetts, Commerce and Arbella Insurance. This relationship allows us to provide our clients with the best possible insurance rates.
Personal Insurance Personal Auto Homeowners Renters Condominium Owners Personal Items Boats Umbrella Motorcycles Motorhomes Mobile Homes Dwelling Fire Watercraft Flood Antique Cars Business/Commercial Insurance Commercial Auto Workers Compensation Commercial Liability Commercial Property Contractors Manufacturers Retail Wholesale Professional Liability Restaurants Garage & Repair Hotel/Motel Inland Marine Bonds Business Owners Policy Commercial Umbrella Commercial Trucks Dump Trucks Long Haul Trucks Errors and Omissions Life Insurance Term Life Insurance Whole Life Universal Life Financial Planning Retirement Plans Traditional IRA Roth IRA Annuities Long Term Care Simple IRA 401k Bonding Court Judicial Court Fiduciary Public Official License Permit Janitorial Services Employee Dishonesty Pension/Trust (ERISA) Guarantees of Financial Performance Contract Bonds Bid Bonds Payment Bonds Peformance Bonds Maintenance Bonds Supply Bonds Complimentary Review of Current Insurance Complimentary Insurance Quotes Complimentary Insurance Replacement Cost Analysis of Your Home Registry Service Complimentary Life Insurance Needs Analysis John F. McBride, Jr. With over 25 years of industry experience, John was licensed as an insurance broker with Prudential Insurance in 1981. After a few years of success, John opened his own agency in Billerica in 1984. John specializes in Commercial Lines, but has a vast knowledge of all our products. John is always available to provide his professional advice and knowledge. Our Agency embodies John’s commitment to providing one on one interaction with our clients. John R. McBride John joined the Agency in the Fall of 2005 after graduating from Tufts University and becoming a licensed Property and Casualty Agent. After being immersed in the family business for several years, John has become a reliable source on all lines of business. John has received his Life Insurance license and constantly continues his industry education. Debbie Sharaffa Debbie has been a valued member of the McBride Insurance staff since 1996. Over these years with the Agency, Debbie has a vast knowledge of all our Personal Lines products. With all her years of experience, Debbie is a go to person in the office for billing questions, policy changes, and RMV procedures. Maryellen Yianacopolus Maryellen joined the staff in 2005 and has been providing friendly, informative guidance and customer service ever since. Along with the rest of the staff, Maryellen is always looking out for our insureds by informing them of all our current discounts and policy options that our customers would benefit from. Arbella Arbella was founded in 1988 as a Massachusetts-only auto and homeowners insurance company. Consistently adding to product lines and expanding into Rhode Island and Connecticut, Arbella has become a group of companies committed to delivering highest quality insurance products and services.
Commerce The Commerce Insurance Company provides personal and commercial property and casualty insurance in Massachusetts and New Hampshire. Our core product lines include personal automobile, homeowners, and commercial automobile insurance. In Massachusetts, Commerce Insurance is the leading provider of both private passenger and homeowners insurance and is the second leading provider of commercial automobile insurance. Commerce markets our products exclusively through professional independent agents who are conveniently located throughout Massachusetts and New Hampshire.
Foremost Foremost offers insurance coverage for Mobile Homes, Landlords, Specialty Homeowners, , Motor Homes, Travel Trailers, Fifth-Wheels, Luxury Motor Coaches, Motorcycles, Off-Road Vehicles, Snowmobiles, Personal Watercraft and Boats. Foremost is part of Farmers Insurance Group and does business in the United States. The Foremost Companies are Foremost Insurance Company Grand Rapids Michigan, Foremost Signature Insurance Company, Foremost Property and Casualty Insurance Company, American Federation Insurance Company, Foremost County Mutual Insurance Company (Texas) and Foremost Lloyds of Texas.
Midland National Life Midland National’s culture is driven by a set of shared values — Integrity, Openness, Respect, and Accountability. These values keep the company, its employees, and its representatives focused on doing the right things in the right way. You’ll find that our culture is evident in our mission, history, stability, and investment philosophy. With life operations located in Sioux Falls, South Dakota, the Annuity Division located in West Des Moines, Iowa, and Corporate Markets located in Fargo, North Dakota, Midland National operates in 49 states, the District of Columbia, Puerto Rico, Guam, the Virgin Islands, the island of Anguilla, and on several overseas military installations. MPIUA The Massachusetts Property Insurance Underwriting Association (MPIUA) also known as the Massachusetts FAIR Plan (Fair Access to Insurance Requirements) provides basic property insurance on eligible property for applicants who have been unable to gain insurance through the voluntary market. MPIUA offers policies under the Homeowners, Dwelling Fire and Commercial Property programs as approved by the Massachusetts Division of Insurance.
Ohio National Life Ohio National Financial Services markets a variety of insurance and financial products in 47 states (all except Alaska, Hawaii and New York), the District of Columbia and Puerto Rico. Utica Mutual Utica National Insurance Group is among the top 100 property and casualty insurance organizations in the country and among the largest headquartered in New York State. Utica Mutual Insurance Company, principal member of the Utica National Insurance Group, is among the largest 25 mutual insurance companies in the nation.
Massachusetts Registry of Motor Vehicles Massachusetts Motor Vehicle Sales/Use Tax Forms Automobile Insurers Bureau of Massachusetts Checkpoint Insurance Inspections Edmunds Car Buying Guide Kelly Blue Book Car Values N.A.D.A. Used Car Guide Car Fax Used Car Guide Carco Inspection Services Ways to Save on Your MA Auto Insurance Massachusetts Division of Insurance Massachusetts Division of Industrial Accidents (Workers Compensation) Insurance Information Institute (III) National Flood Insurance Program Weather ESPN Live Air Traffic Aircraft Owners and Pilots Association Why do I need a Personal Umbrella policy?
Jury awards and out-of-court settlements routinely run into hundreds of thousands or even millions of dollars. Add to this the cost of legal fees, and the expense becomes staggering. An unexpected catastrophe could result in a large judgment against you. Without adequate protection, your current assets could be placed in serious jeopardy. A Personal Umbrella policy could protect you against excess liability judgments for loss, injury, or even death caused by negligent acts. It is designed to provide liability protection over and above the insurance policies you currently have. Consider the following example: One evening a 17-year old took his parent's car out for a drive. He crossed over a median and collided head-on with another vehicle. Two passengers in the other car were killed, and a third was seriously injured. The 17-year old driver was found negligent and ordered to pay $1.5 million to settle the injury claims. The parents had an auto policy with a $300,000 per claim liability limit. Fortunately the parents carried a Personal Umbrella policy. The auto policy paid $300,000, and the Personal Umbrella policy paid the remaining $1.2 million. With a Personal Umbrella policy, you are covered if the limits under your primary policy are used up. Your assets, as well as your future earnings, are protected. In today's society, lawsuits are occurring with alarming frequency. Moreover, the monetary awards can be staggering. Your current insurance will protect you against a minor misfortune - but it probably would not give you the needed protection against a catastrophic loss. What is Term Life?
A Term Life insurance policy is a life insurance policy where the premium stays the same for the life of the policy. Depending upon your needs and your age, you can write this policy for 5, 10, 15, 20 or 30 years and your premiums will never go up during this term. Who needs Term Life?If something should happen to you, a Term Life policy could cover your mortgage or a child�s education and leave your family with financial security. How much does a Term Life policy cost?The cost of a Term Life policy will be determined by your age although it is very reasonable at any age. Identity Theft
Because of the high incidence of Identity Theft you can now obtain coverage on your homeowner's policy to protect yourself from the high cost of restoring your name and credit. Each year millions of Americans fall victim to Identity Theft and may spend months - even years - and their hard-earned money restoring their good names and credit records. Your doors and windows may be carefully locked, but identity thieves know no bounds. For comprehensive tips on how to protect your good name and credit record, refer to the Federal Trade Commission's Web site by clicking on: http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/about-identity-theft.html What is a flood?
Flooding is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties from the following:
Residential Building Coverage Building coverage insures a house or dwelling, attached and detached garages, as well as certain permanently installed fixtures such as built-in dishwashers, permanent shelving and cabinetry, furnaces and radiators, hot-water heaters, plumbing fixtures, stoves, ovens and refrigerators. Residential Contents Coverage Contents coverage insures most of your personal property and belongings, including:
Coverage in Basements Flood insurance covers structural elements, essential equipment and other basic items normally located in a basement, such as:
However, flood insurance does not cover basement improvements such as finished walls, floors or ceilings or personal belongings that may be left in a basement such as furniture and other contents. FactsEveryone lives in a flood zone - floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems, dam or levee failure, etc.
Home and Personal Property Inventory
By keeping an accurate inventory of your personal possessions you could save hundreds, even thousands of dollars at the time of a loss. If your home were burned, vandalized, or destroyed in some other way, could you remember the value of each and every item? Keeping an inventory will also help you determine how much insurance you should carry. You may be surprised by the value of your accumulated possessions. In addition to your inventory sheets, another way to supplement your inventory is by taking a picture or video of each room in your home after you have finished cataloging the contents. After you have your inventory complete, be sure to keep it in a safe place away from your home such as a relatives home or you can even bring copies of the inventory and pictures/video to our office for safe keeping in your file Credit Card InventoryIn the event that your wallet is lost or stolen, would you have all of the credit card numbers and telephone numbers on hand to be able to call and report the card lost or stolen? It is also a good idea to create a credit card inventory sheet in the event this ever happens. This discount is available to drivers in all inexperienced operator rate classes who are enrolled as full-time high school, college or university students at an accredited educational institution, and either maintain at least a "B" or "3.0" grade point average or are included on the "Dean's List," "Honor Roll," or comparable scholastic achievement list. The discount is based on rate class:
and applies to:
To be eligible, the student operator must have a driving record with fewer than 3 points under the SDIP plan. The student must supply a report card, transcript or certified statement from the school indicating the academic requirement was met during the semester immediately preceding the policy effective date. The discount may not be endorsed mid-term, and must be requested before each policy renewal for which the student is eligible (based on grades and inexperienced operator classification). The Student Away at School discount cannot be selected in conjunction with the Good Student discount. The higher of the two discounts should be applied. All other eligible discounts apply. To be eligible, the student operator may not have regular access to the covered vehicle while at school or on weekends. The discount would still apply when the student is home on breaks and summer vacation as long as they remain enrolled at the school and reside on or near campus during the regular school year. The Student Away at School discount cannot be applied In conjunction with the Good Student discount. The higher of the two discounts should be applied. All other eligIble discounts apply. This discount is available to drivers in all inexperienced operator rate classes who are enrolled as students and reside at an accredited educational institution located more than 100 road miles from the auto's principal place of garaging. The discount is based on rate class:
and applies to:
Massachusetts Personal Auto Homeowners Dwelling Fire Term Life Insurance Massachusetts Commercial Auto Workers Compensation If you know someone who may need our services we would appreciate the opportunity to offer them our products and quality service. Just fill out the easy form below. Leave an introduction if you wish and send it along to us. We have a policy to always maintain appropriate confidentiality regarding personal information obtained in the course of doing business with you. We only collect personal information about you necessary to conduct the business of insurance. We use the following sources to collect that information:
We do not disclose any personal information about current or former customers to anyone, except as permitted by law. |
