McKenzie Smith Insurance Agency LLC

McKenzie Smith Insurance Agency LLC Independent insurance agency serving homeowners, landlords and small business owners across California.

Before your kids head out the door, make sure they know how to get to school safely, no matter how they are getting ther...
09/01/2026

Before your kids head out the door, make sure they know how to get to school safely, no matter how they are getting there. Here are a few tips to keep in mind:

🔵Walking to school? Stick to sidewalks, cross only at crosswalks, make eye contact with drivers before stepping into the street, and always walk in a group when possible.

🔵Riding a bike? A properly fitted helmet is non-negotiable. Remind students to ride on the right side of the road with traffic, come to a complete stop before crossing, and choose a route with minimal intersections and light traffic.

🔵Taking the bus? Students should stand at least 6 feet back from the curb when waiting for a bus, wait for the bus to come to a complete stop before boarding, and never walk behind or in front of a bus without making eye contact with the driver first.

🔵Getting dropped off? If you drive your child to school, obey school zone speed limits, follow your school's drop-off procedure, and never pass a bus that is loading or unloading children.

🔵Teen drivers? Review the basics of safe driving. This includes, but is not limited to, having all passengers wear seatbelts, putting devices away while driving, and driving the speed limit.

We hope you find these tips helpful as students transition back to school. As always, if you have any needs or questions, do not hesitate to reach out to our team. We are happy to help.

Did you know homeowners insurance is about more than protecting the structure itself? Coverage may also help protect pe...
08/27/2026

Did you know homeowners insurance is about more than protecting the structure itself? Coverage may also help protect personal belongings, liability exposure, and other parts of daily life connected to the home.

As households change over time, it’s important to make sure coverage keeps pace, too.

A quick review can help confirm everything is still aligned. We’re here to help: mckenziesmith.com or 707-778-9200.

For all of us living and working in California, we know wildfire season is year round... and ensuring that you and your ...
08/25/2026

For all of us living and working in California, we know wildfire season is year round... and ensuring that you and your family are prepared is a crucial step. Beyond memorizing evacuation routes and packing a go-bag, reviewing your homeowners and auto insurance policies can be a key step to help prepare in case the worst were to happen.

That said, it’s a good idea to confirm that your homeowners or renters policy covers fire, smoke, and ash damage, and check your auto policy if you want coverage for your vehicle as well, since that typically falls under a comprehensive auto policy rather than homeowners coverage.

Additionally, look at your additional living expenses limits and ask yourself honestly whether they would cover your costs if you were displaced for several weeks or longer.

If you have questions about your current coverage, or you need someone to help you walk through common wildfire risk scenarios, reach out to us! We're here to help protect your property - home, rentals, business....


08/22/2026

Heading out of town this summer? A few simple steps can help protect your home while you’re away:

• Lock every entry point, including side doors, garage entrances, gates, and first-floor windows.
• If you’ll be gone for more than a few days, consider shutting off the main water valve—or at least the supply lines to appliances.
• Put indoor and porch lights on timers to give your home a lived-in look.
• Ask a trusted neighbor to keep an eye on things, collect packages, and bring in trash bins.
• Hold your mail and arrange for packages to be collected.
• Unplug non-essential appliances, chargers, and hair tools.

You may also qualify for a homeowners insurance discount with a centrally monitored security system. Give us a call to discuss your options and see whether you could save on your annual premium.

Safe travels! We’re always happy to provide a complimentary coverage review for added peace of mind.

The risks associated with owner-occupied homes and tenant-occupied properties can vary significantly, which is why it’s ...
08/20/2026

The risks associated with owner-occupied homes and tenant-occupied properties can vary significantly, which is why it’s important to make sure coverage matches how the property is actually being used.

If there’s uncertainty about whether a property is insured correctly, McKenzie Smith Insurance is happy to help review options.

Reach out anytime: mckenziesmith.com,

A conscientious homeowner is someone who actively maintains and cares for their property over time.That can include:▪️Ke...
08/18/2026

A conscientious homeowner is someone who actively maintains and cares for their property over time.

That can include:

▪️Keeping landscaping maintained
▪️Addressing repairs early
▪️Clearing debris from roofs and gutters
▪️Maintaining a clean, safe exterior

In today’s California insurance market, pride of ownership matters more than ever.

Questions about coverage and property upkeep? Reach out anytime: 707-778-9200.

If you have ever wondered what would actually happen to your payout after a covered loss, the answer often comes down to...
08/13/2026

If you have ever wondered what would actually happen to your payout after a covered loss, the answer often comes down to one question: Does your policy use replacement cost value or actual cash value?

These two coverage types work very differently, and understanding them can save you from a costly surprise when you file a claim. Swipe through for a clear breakdown of each.

Have questions about your current coverage or which option is right for you? Give us a call today.

With back-to-school season top of mind and August being National Traffic Awareness Month, our team wanted to take a mome...
08/11/2026

With back-to-school season top of mind and August being National Traffic Awareness Month, our team wanted to take a moment to share some practical road safety reminders for this time of year.

The return to school brings one of the most significant changes in daily traffic patterns of the entire year. A few moments of extra caution can make an enormous difference. Swipe for a few traffic safety considerations for both motorists and parents of young children to keep in mind as back-to-school season approaches.

By staying alert, following the rules, and looking out for the most vulnerable people on our roads, we can all play a role in keeping the roads safe this school year.

Please feel free to share this with anyone in your network who might benefit from these reminders. And if you ever have questions or need assistance, we are always here to help leverage our expertise for your benefit.

The kids are headed back to school, and that can only mean two things: The house is quiet again, and the coffee is hot f...
08/06/2026

The kids are headed back to school, and that can only mean two things: The house is quiet again, and the coffee is hot for the first time in months.

However you are feeling about back-to-school season this year, we hope the transition is going smoothly for your family. As always, if there is anything we can do to help, do not hesitate to reach out. That is what we are here for.

Address

1341 N McDowell Boulevard Suite A
Petaluma, CA
94954

Telephone

+17077789200

Website

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