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. ...

  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...

  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...

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...

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...

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...

                        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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Another year is coming to an end and as your thoughts shift toward celebrating the holidays, winding down the year and making plans for 2018 to be a year filled with success, we wanted to share this… The more your insurance agent knows about their clients, the better they can serve you. At Advocate Brokerage it is important for us...

Winter Solstice is coming up on December 21st and we want to be sure your home and your car are prepared to brave the elements. Below is a check-list of things you should consider taking care of before things get too chilly outside. At Home To Take Care Of Potential Water Woes – Have You: Turned off your exterior faucets...