When you think about the value of your home, chances are what comes to mind first is how much you could receive if you put a for sale sign in your yard tomorrow.  However, when it comes to insurance, the value of your home should be looked at a bit differently.   For the purposes of insuring your home, you...

Ahhh Summertime.  The kids are out of school and seemingly endless days of backyard fun will begin!  As much as you want to think your summer will be filled with sunshine and rainbows, accidents do happen and they happen more frequently during summer months. Being aware of backyard summer dangers is the first step towards a safer summer. Did you...

April showers bring… well, rain. April and May are our rainiest months and that kind of weather usually turns our thoughts to flooding and the damaging affects all that excess water can mean for our clients. Just a few inches of water can add up to 10's of 1000's of dollars in damage. Many people push flooding concerns out of...

Creating a smarter home means creating a safer home; Educating each client we serve means sharing information about the technology available to help limit the risks of damage to your home. We hope you find some of the information shared below valuable. Central Station Fire & Burglar Alarms When we discuss fire prevention, the single most important piece of advice...

In the event of a house fire, your family has only an average of 3 to 4 minutes to escape. That is frightening! Only 3 – 4 minutes. 30 years ago you had more time, as much as 17 minutes. But times have changed. The synthetic materials used to build your home and furnishings burn faster than the natural materials...

The past two years have been blockbuster years for catastrophes in America. Climate change has led to an increase in the severity of storms and wildfires. The warming has triggered more than just changes in the earth’s atmosphere. It has led to increased insurance coverage rates and policy limitations. Never has it been more finite that there is an underinsurance...

By Denise Koslowsky When I talk about insurance, which is quite often, sooner or later the conversation will come back to what I currently consider a crisis – the many homeowners who are underinsured. It is an easy topic to understand when you are speaking in regards to the homes devastated by wildfires in California or the homes torn apart...

No one really likes to think about insurance.  Insurance is a necessity that you take care of and don’t give a second thought until some type of unexpected disaster occurs.  Unfortunately, waiting to update your insurance broker could leave your insurance lacking when you need it most. Keep in mind, the more your insurance agent knows, the better they can...

With all the rain and the abundance of hurricanes and tropical storms we’ve been faced with this year, Advocate Brokerage feels like we need to share some truths with you about flood insurance. Below are a few assumptions people make about flood insurance and what you need to know. I have homeowners insurance so I’m covered. What you need to...

  It’s been a cold, wet and snowy November.  As we head into the winter season your insurance advocate wants to be sure our clients know what steps to take to keep your home safe. Your home is your world and you want to be sure it is protected from winter’s woes.   Below are some of the types of...