The #1 Homeowner Claim is Due to Frozen Pipes

  When the weather is freezing cold one minute and then warmer than normal the next, the pipes in your home face the very real danger of freezing. The #1 homeowner claim we see is property damage that has been created by a burst pipe. The losses can be devastating. Even a crack as small as 1/8” can create a...

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2023-01-31
By: Advocate Brokerage

Prepare For a Halloween Filled With More Treats Than Tricks

  Trick Or Treat!!! Halloween can be such a fun night for adults and kids alike! For homeowners, it can become a night filled with tricks that open your property to risks. We are speaking specifically about damage from vandalism and the liability risks that occur when people visit your home. Insurance claim data reveals that Halloween is among the worst days of the...

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2022-10-31
By: Advocate Brokerage

Property & Casualty Insurance 101

As specialists in the world of Property & Casualty Insurance, we thought it might be helpful to share some information for those who are just starting their journey into independence. Below you will find a guide to the types of insurance that should consider when you are starting this new adventure called Adulthood. Welcome! Auto Insurance If you have a...

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2022-07-28
By: Advocate Brokerage

Keeping Pace With Historic Inflation

protecting your home from historic inflation

If you’ve been receiving our newsletters for any length of time, you’ve heard us talk about rising insurance rates. Our partner companies automatically increase your coverage limits to keep up with the rising costs we are experiencing. Inflation has a direct correlation to rising insurance rates. With inflation in the United States reaching historic rates – the highest it has...

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2022-05-24
By: Advocate Brokerage

Do You Split Your Time Between Two Properties? Thoughts from your Insurance Advocate

multiple homes

Many of our clients own multiple properties and divide their time between two homes. It’s important to make sure that you have taken all the necessary precautions to ensure that your property is protected while you are away. Below are some thoughts we’d like you to consider so that you can prevent potential damage. Tend to your Heating and HVAC...

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2022-01-30
By: Advocate Brokerage

Winter Is Here! – Make Sure Your Home Is Prepared!

BRRRR! Winter is coming up quick and with the last couple of years we’ve experienced, it makes sense to do all you can to prepare you home against the elements! Below is a checklist of a few items you can do before winter hits to protect yourself from potential damage: To Keep Visitors Safe Make Sure You… Check walkways and...

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2021-11-29
By: Advocate Brokerage

Insurance Rates Are On The Rise, Put Our Expertise To Work For You

Insurance rates have been on the rise for quite some time. Between the rise in natural disasters, the economy, and the impact of the COVID pandemic, there has been quite a shift in the insurance industry. We believe in educating our clients and always try to do our best to share our expertise with you. It’s important to us that...

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2021-11-22
By: Advocate Brokerage

Replacement Value vs Market Value, understanding the difference

Replacement Value vs Market Value

When it comes to purchasing homeowners’ insurance, we find that people often have questions when it comes to placing a valuation on their home. Most of the confusion seems to stem from an unclear understanding of the difference between the Market Value of your home and the Replacement Cost of your home. It is important to keep in mind that...

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2021-11-15
By: Advocate Brokerage

8 Important Steps to Fireproof Your Home

fire prevention month

October is fire prevention month, so we feel it is important to take a moment to remind our followers of our best tips for preventing a fire in your home.   Below are 8 Important Steps to Fireproof Your Home Install A Central Station Burglar & Fire Alarm - We cannot state strongly enough that the most important precaution you...

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2021-10-07
By: Advocate Brokerage

Article Written for Scarsdale 10583: Why Doesn’t Your Home Insurance Cover Your Storm Losses? An Expert Explains

scarsdale 10583

I was recently asked by the editor of a local online publication a question: Why doesn’t home insurance cover storm losses? It was of course a very timely and important question. In the wake of Tropical Storm Ida, I was happy to offer my advice and wanted to be sure to share it with you! Why Doesn’t Your Home Insurance...

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2021-09-29
By: Advocate Brokerage

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