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...

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...

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...

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...

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...

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...

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...

We are proud of our strong partnerships with the leading elite carriers. We have never made it a secret that Advocate Brokerage prefers that our clients insure with one of our elite carriers whenever possible. The 2021 Insurer Report Card which is a nationwide survey on auto insurance conducted by CRASH Network was recently released and we were thrilled to...

Rain, rain, go away. It’s a nice thought but unfortunately, rain happens and there isn’t much we can do to prevent it. What we can do is have a conversation about flooding; the damage excess water can do to a home and the flooding coverage that is available to help you protect yourself. According to NOAA, over the last 20...

  Now that it is officially Spring, we wanted to take advantage of the change in seasons to signal a few spring cleaning tasks that may help you to prevent some future, common, homeowners insurance claims. Indoor Tips: Spring clean your dryer by making sure it is free of lint. To do a thorough cleaning, be sure to pay attention...