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Flood Insurance – No longer an exclusive product for coastal property owners

  In a recent article on Property Casualty 360 that we shared on our facebook page a study by the University of Bristol revealed that the risk for flooding is higher than the current FEMA modeling shows. The study estimates that 41 million Americans are at risk from flooding rivers. That is almost 3 times the current estimate and does...

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2018-03-27
By: Advocate Brokerage

Travel Prepared – Thoughts on Travel Insurance and Tips to help you Travel Safe.

  Do you obsess about creating the perfect vacation? We understand.  We obsess about perfecting your insurance coverage. So if you are busy putting finishing touches on spring break getaways or working on summer travel plans, we want to help by giving you extra peace of mind with travel insurance. With several different types of coverage available, choosing the one...

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2018-03-14
By: Advocate Brokerage

Driving Drowsy is as Serious as Driving Intoxicated

                          According to the National Highway Traffic Safety Administration each year there are an estimated 100,000 automobile crashes that are the result of a driver getting behind the wheel when they are feeling drowsy.  Out of those 100,000 crashes, approximately 1550 tragically people lost their lives. It only...

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2018-02-27
By: Advocate Brokerage

The ABCs of Insurance Coverage for Jewelry

Last Valentine’s Day we spent roughly $4 Billion on gifts of jewelry.  Since sparkling gifts have become such a popular gift item at this time of year we thought we would do our best to review the ABCs of Insurance Coverage for jewelry. A is for Appraisals We cannot understate the importance of have regular appraisals for your precious pieces. ...

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2018-02-09
By: Advocate Brokerage

Close and Contain, it could save lives!

  Last week we posted a short blog about the increase in home fire fatalities this year. In case you missed it, the statistics showed that we’ve had a 60% increase in fatalities during the first 18 days of 2018 when compared to the first 18 days of 2017. We focused our attention on our recommendation to install a Central...

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2018-01-23
By: Advocate Brokerage

Record Breaking Cold Brings Record Breaking Home Fire Fatalities

  Between January 1, 2018 and January 18, 2018, 221 people in the US died as a result of a fire at home.  That is an increase of 60% over 2017.  Statistics show that the cold weather makes people spend more time indoors and more time spent indoors naturally increases the instance of home fires. The good news is that...

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2018-01-19
By: Advocate Brokerage

The #1 Homeowner Claim is Due to Frozen Pipes

When the weather is freezing cold, 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 small crack can create a sizable amount of damage. Water is your home’s worst enemy.  It flows where...

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2018-01-12
By: Advocate Brokerage

Educating each client we serve – Important information about Ice Dams.

To say it has been cold is an understatement.  With temperatures falling below 32 degrees for the last week of December and looking to remain there the entire first week of January, it’s been the kind of weather that urges us to stay inside with a hot cup of coffee.  Looking ahead to the forecast for the rest of the...

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2018-01-03
By: Advocate Brokerage

Driving Drunk, it’s not worth the risk!

New Year’s Eve is this weekend and since many celebrations involve alcohol we thought it important to remind our readers that drunk driving is never worth the risk.   According to the CDC: 48% of driving deaths on New Year’s Eve are alcohol related.   Despite the Dangers, Adults Still Drink & Drive According to the CDC, 4.2 million adults...

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2017-12-22
By: Advocate Brokerage

Important Information for those Removing a Car from their Insurance

                        In an effort to continue to educate each client we serve, we thought it was important to remind everyone about the rules in NY State when it comes to adding or removing a car from your insurance.   Removing a Car from your Policy It is important to...

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2017-12-21
By: Advocate Brokerage

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