Jessica McArdle State Farm

Jessica McArdle State Farm Providing life insurance, business insurance, auto insurance, fire insurance, and health insurance. Stay tuned !

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06/03/2026

Moving to a new place? Here’s the insurance to-do list you’re going to forget 📦

It is easy to get overwhelmed during a move, but taking these steps can help protect your new home and your belongings:

✅ Update your address on every single policy, as this is a detail many people forget during the chaos of moving.
✅ Review your homeowners, renters, or condo coverage to ensure it matches the square footage, age, and location of your new home.
✅ If you are moving to a new state, check if your requirements and options have changed, as previous coverage may not carry over exactly.
✅ Flag anything unusual about your new property—whether it is a home, business, or vacation property—to see if you need specialized coverage.

Moving is the perfect time to do a full review of your coverage to make sure everything is current. Send us a message to update your policies today.

06/02/2026

Waiting to look into life insurance? Here is what you need to know 🗓️

It is easy to put this off for later, but understanding how timing affects your policy can protect your future and your budget:

✅ Life insurance is one of the few things where being younger and healthier almost always results in paying less.
✅ The rates you lock in today are based on your age and health right now, not what they might be in the future.
✅ Waiting is not neutral; it typically leads to higher rates and fewer options if your health changes.
✅ The longer you wait to secure coverage, the more it will ultimately cost you.

We aren't here to manufacture urgency, but the timing genuinely matters for this part of your to-do list. Send us a message to review your options today.

06/01/2026

Think renters insurance is too expensive? Here is what you need to know 🏠

It is easy to assume that protecting your belongings is out of reach, but the reality is often very different:

✅ Renters insurance covers your personal belongings, like your furniture, clothes, and electronics.
✅ It provides liability protection if someone happens to get hurt while they are in your apartment.
✅ It can cover additional living expenses if your place ever becomes uninhabitable.
✅ For most people, the actual cost is significantly less than they assume it will be.

The assumption that this coverage is out of reach is almost never accurate. Send us a message to see how affordable protecting your space can be.

Hello, June! ☀️With summer just around the corner, June is a great time to refresh, reset, and focus on the things that ...
06/01/2026

Hello, June! ☀️

With summer just around the corner, June is a great time to refresh, reset, and focus on the things that help keep life running smoothly.

It’s also National Safety Month, a reminder to take a few moments to review the things that help protect you and your family. From checking emergency supplies and practicing safe driving habits to reviewing important documents and insurance coverage, small steps can make a big difference.

As life changes, it’s always a good idea to make sure your coverage still fits your needs. We’re here to help if you have questions along the way.

Wishing everyone a safe and enjoyable month ahead!

05/29/2026

Thinking about getting just the state minimum for your insurance? Here is what you need to know 🚗

It is easy to choose the lowest price available, but understanding what "minimum" really means can protect your future and your finances:

✅ Minimum coverage is designed to meet legal requirements, not necessarily to cover your actual financial situation.
✅ If you cause an accident and the resulting bills exceed what your policy covers, you are responsible for the difference.
✅ Any costs above your policy limits must come directly out of your own pocket.
✅ Choosing your coverage levels should be an intentional decision based on your specific needs, not just a default choice.

We aren't here to sell you more than you need, but we want to make sure the decisions you make are truly yours. Send us a message to review your coverage options today.

Testimonial Thursday ✨Being helpful and making things easier for people is always our goal. We know insurance can someti...
05/29/2026

Testimonial Thursday ✨

Being helpful and making things easier for people is always our goal. We know insurance can sometimes feel overwhelming, so we’re grateful for the opportunity to help answer questions, walk through options, and support the people and families we work with however we can.

05/28/2026

Unsure about what’s in your auto policy? Here is what you need to know 🚗

It is easy to overlook specific coverages, but knowing about medical payments coverage—or "med pay"—can protect you and your passengers:

✅ This coverage helps pay for medical bills if you or your passengers are injured in a car accident.
✅ It applies regardless of who caused the accident, making it a reliable resource during a stressful time.
✅ Med pay can fill critical gaps if you have a high health insurance deductible or if your passengers lack their own coverage.
✅ Keep in mind that this is a separate, specific layer of coverage on your auto policy and is not the same as health insurance or personal injury protection.

Most people don't even know this useful coverage exists until they need it. Send us a message to review your policy and ensure you have the protection you need.

05/27/2026

Is your kid headed off to college this summer? Here is what you need to know 🎓

It is easy to overlook insurance during the chaos of moving, but checking these coverage details can help protect your student and your belongings:

✅ If your student is living in a dorm, they may have some coverage for their belongings under your homeowners, renters, or condo policy.
✅ Be aware that there are limits to this coverage depending on the specific type of policy you have.
✅ Students living off-campus usually need their own separate policy to ensure they are fully protected.
✅ If your student is taking a vehicle, make sure your auto policy is current, as the primary location of the car matters for your coverage.

We know you have a lot going on right now, but a quick check before they head out the door is worth the peace of mind. Send us a message to review your student's coverage today.

05/26/2026

If you’ve been putting off your life insurance review, this is your sign.

Don't delay - give us a call!

05/25/2026

Homeowners' renewal rates got you down? Here’s what you need to know 🏠

It is no secret that rates are up across the industry, but understanding how to manage them can help protect your home and your wallet:1

✅ Understand that factors like rising construction costs and severe weather affect pricing, even if you haven't filed a claim.

✅ Review your coverage with your agent to ensure it reflects exactly what you need—no more and no less.

✅ Look at your full financial picture to see if bundling multiple policies together can lower your costs.

✅ Consider small changes, such as adjusting your deductible, to make a real difference in price without cutting necessary protection.

We know it is frustrating, but we are here to help you navigate these options. Send us a message to review your policy today.

Address

2025 Rose Street, Ste 100
Berkeley, CA
94709

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 12pm

Telephone

+15108482132

Website

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