Each October the National Fire Protection Association sets aside the month to promote fire safety. This year’s theme once again focuses on Smoke Detectors. 40% of fire deaths occur in homes with no smoke detectors! That alarming statistic is a key reason that for the past 3 years the NFPA has focused their theme on Smoke Detectors.  This year’s...

By Roz Binday I’m not an alarmist and don’t buy into dooms day scenarios but I do believe in keeping my eyes open, being prepared and protecting the things I’ve worked hard to obtain.  So, when I saw an article in the Washington Post about rising sea levels, followed by a study from Zillow, I knew it was something I...

By Denise Koslowsky   Advocate Brokerage has been specializing in the needs of affluent individuals for as long as I can remember.  A preponderance of our clients live in beautiful homes and drive luxury cars.  To be clear, the staff at Advocate Brokerage is not snobbish, and our clients span the socio-economic spectrum from post graduates to senior citizens.  When it...

We’ve focused quite a bit in recent months talking about teen driving.  While young drivers provide quite a few talking points, with the end of summer and Labor Day celebrations around the corner we thought we would talk directly to our adult readers/drivers about driving under the influence of alcohol.   According to MADD: Every 53 minutes, a person is...

  Sadly, summer is over and it is time for Back to School & Back to Routine.  This means more cars and teens on the road each and every day.  Advocate loves teens and wants to do all we can to keep them safe, so we have put together some tips for teens while behind the wheel.   Advocate wants...

It’s summer! Peak vacation time is here and with the growing trend of homeowners renting out their homes, we thought we would add our thoughts on the subject (with a little help from our friends at Chubb). To rent out your vacation home or not to rent out your vacation home...  That is certainly the question. With the increasing popularity...

June 1st marks the official start of Hurricane Season and the predictions of what type of season lies ahead of us have recently been released.  The season, which runs through November 30th, can produce market fluctuations, put a damper on travel plans, and add worry to millions of homeowners up and down the east coast. Looks like we’ll have a...

The school year is winding down and prom is just around the corner.  Prom is an exciting night in a teen’s life.  Students around the country look forward to getting dressed to the nines and have a fun time with their friends. As parents, we want our kids to enjoy themselves, but we also want to be sure they are...

Once again Roz Binday has written an informative blog to share her thoughts on an often asked insurance question….Are acts of God covered by my policy? Are Acts of God Covered? By Roz Binday   Your Home Insurance Policy People often believe that acts of God are not covered by insurance. While floods and earthquakes are standard coverage exclusions on a...

We talked about flood insurance at the beginning of the month but since it is a topic we find so important, we are going to talk about it once more! For this week’s blog Roz Binday wanted to share her thoughts. 100-YEAR FLOODS DON’T NECESSARILY TAKE 100 YEARS TO RECUR By Roz Binday Some say that Hurricane Sandy which occurred...