The insurance marketplace is changing, and rates are rising. Today, we share tips on how to save on home and property insurance. Increase your deductible. Ask your insurance Advocate about increasing your deductible to save on your monthly premiums. By taking on a slightly higher risk, you may be able to reduce your recurrent expenses. Maintain and secure your home....

The holidays are upon us, and that means we’ll have more people coming in and out of our homes. It also means we’re likely consuming and sharing more alcohol in the spirit of the season. But, as a host, you should know that you can be held liable for your guests’ actions during and after the event. What Are My...

There is a chill in the air and Jack Frost is knocking at the door. That means it’s time to take the holiday decorations down from the attic and prepare for the festivities of the season. But more than that, now’s also the time to take steps to get your home ready for the winter. Get started with today’s tip....

As a business owner, you have many risks and liabilities. And that makes insurance a crucial part of your overall operation. But insurance is not a “set it and forget it” action. Instead, it’s a component of your business that deserves your attention at the start of each year. Identify Risk And Liabilities As you prepare for the new year,...

Thanksgiving is about the cherished values of family, gathering, and expressing gratitude for the blessings we've received throughout the year. In this week's blog, we believe it's fitting to provide a platform for a few members of Team Advocate to share their heartfelt sentiments of thankfulness for the past year. Denise Koslowsky – Principal, Personal Insurance I am thankful for...

  As a business owner, one of the best ways to show that you’re thankful to the community for their support is to give back. Sharing in your prosperity not only feels good, but it also offers many perks that can do good for your business.   Benefits Of Giving Back Improved reputation and brand awareness. When you donate to...

Just a few short years ago, forgetting to pay your insurance may have been a headache, but it would’ve been relatively easy to get your policy reinstated. Not anymore. More often than not, a lapsed policy creates challenges for individuals, even in the luxury home and vehicle insurance marketplace. But why? What Happens When Your Insurance Lapses? When your vehicle...

Moving into your first apartment brings newfound independence and responsibility. Renters’ insurance is often overlooked and sharing it with roommates seems cost-effective, but insurance companies rarely write joint policies. Individual policies are crucial, and each tenant having their own is essential. Personalized Coverage Shared policies commonly result in disputes during claims due to joint coverage, leading to compensation under a...

  Dear Advocate Client:   It is with great excitement that we announce that on October 1, 2023, Advocate Brokerage has partnered with Cross Insurance! Like us, they are a family-owned and operated independent agency that puts people first. We have put great thought and care into our long-term strategy. If you know us, you know that community and connection...

As the ghosts and goblins prepare to make their monthly homage throughout the neighborhood, it’s time for you to safeguard your home against liabilities.   A Pre-Halloween Safety Sweep One of your first tasks (after setting your candy and pumpkins out, of course!) is to ensure that your exterior lighting is functional. Confirm that motion detectors have a full battery...