Inflation = Rising Insurance Rates

Over the course of the last year, our blog has provided a lot of information regarding the rise of insurance rates. We’ve done our best to keep you up to date on the industry trends and offer tips to help keep your individual rates as low as possible. Our obsession with perfecting our client’s insurance coverage is one of the...

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2022-03-28
By: MVAadmin

All For Love – A Guide To Insuring Your Jewelry

  Most conventional homeowner’s policies offer limited coverage for jewelry, and that limited coverage is subject to the policy deductible. For this reason, we recommend that valuable jewelry is covered under a Valuable Items Policy (also sometimes referred to as a Collections Policy or an Inland Marine Policy). There are two main types of jewelry coverage: Actual Cash Value allows...

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2022-02-22
By: MVAadmin

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: MVAadmin

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: MVAadmin

Make Sure Your Halloween Is Happy & Safe!

halloween insurance

Each year, Halloween brings with it numerous claims. In fact, it is often among the worst days of the year for home and auto claims due to theft and vandalism (an average of 17% more claims are reported on Halloween). Halloween is coming up this weekend and your friends at Advocate Brokerage want to be sure your Spooky celebrations are...

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2021-10-26
By: MVAadmin

During uncertain times, we still obsess over your insurance coverage!

premier insurance agency

Never before in Advocate Brokerage’s more than 50 years of selling insurance have, we seen such volatile weather patterns leaving so much damage and causing so much pain and suffering from coast to coast and around the world. This has resulted in a significant shift across the insurance industry, causing insurance rates to rise drastically, non-renewals to happen with more...

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2021-08-31
By: MVAadmin

Rain Happens, Be Sure You Have An Umbrella, what you need to know about excess liability insurance.

umbrella insurance policy

When there is rain in the forecast, are you the type of person that brings an umbrella? Or maybe you have one stored in your car, just in case. Rain happens and if you don’t want raindrops falling on your head, you want the protection offered by an umbrella. A Personal Umbrella Policy, also known as Excess Liability Insurance, is...

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2021-08-29
By: MVAadmin

Keeping Your Vehicle Protected From Heavy Rains

vehicle in flood heavy rain

We have all seen images of vehicles fully submerged, after heavy rains. You may think that instances like this are rare, but the truth is, it is much more common than you think. Extreme weather patterns have caused flash flooding throughout the country. Each year see cars are damaged beyond repair right here in our own community. If there is...

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2021-07-23
By: MVAadmin

A College Graduate’s Guide to Property & Casualty Insurance

college graduate propery casualty insurance

If you have just graduated from college, CONGRATULATIONS! You have just completed a HUGE accomplishment and you have every right to be proud.   If you are the parent of a college graduate, CONGRATULATIONS! We are sure you are proud of your child’s amazing accomplishment.   Either way, we thought it might be helpful to share some information about Property...

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2021-06-25
By: MVAadmin

Get Your Documents Ready! A Message For Parent’s of Children 18 and older.

parents of children 18 or older

If you are the parent of a recent High School Graduate, Congratulations! It is an exciting (if not somewhat challenging) time in your child’s life!! Once your child turns 18, in the eyes of the law they are legally an adult and in charge of their own life. While you may know that in your head, the specifics of what...

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2021-06-23
By: MVAadmin

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