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White Papers

The Truth About Home Insurance – The Value of Staying Put

Purchasing a home is an exciting time, and provides so many great benefits to the owner. It is a long term investment and likely your most valuable asset, which must be protected with homeowners insurance.  Just like the cost of living and taxes, insurance premiums are an expense that will continue as long as you own your home, and just like cost of living and taxes, insurance premiums will increase each year.

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Your World, Protected with a Personal Umbrella Policy

Accidents happen.  That’s why it make sense to do all you can to protect yourself and your family.  Unfortunately the more you have acquired in life, the more you need to think about how your financial security could be impacted when something goes wrong and you get sued. Excess Liability Insurance, or Personal Umbrella Insurance as it is sometimes called, is a critical but often overlooked part of your insurance portfolio and it can help you to protect your assets.

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Domestic Employees: Understanding Your Insurance Responsibilities

Whether you presently employ household help or have plans to hire them in the future, as your advocate, we want to take the time to make you aware of the current New York State regulations as they relate to domestic staff.

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From Roz’s Corner: Actually, 15 minutes could cost you.

Actually, 15 Minutes Could Cost You,

Important Information About The Cost Of Auto Insurance

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Stop Overpaying to be Underinsured

If you live in a house in the Tri-State area, there is a very good chance that your dwelling has a replacement value of at least $1,000,000…

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Making Sense of Flood Insurance

At Advocate Brokerage we work diligently to educate each client we serve, which is why we are so focused on providing you with important information about flood insurance…

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Adding a New Teen Driver

Adding a new teen driver to your home can be stressful. There are a few useful insights to help parents of teens navigate the process…

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Teen Safe Driving Agreement

Driving is a privilege that I may lose by violating this agreement or may have suspended for other reasons, such as
(but not limited to) unsatisfactory school grades or violations of family trust. To demonstrate that I fully understand the responsibility I am undertaking when I get behind the wheel of a car, I pledge today not only to myself but to those I care about that…

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Advocate Brokerage Guide for Auto Insurance

When it comes to insuring your automobile, your carrier choices are pretty extensive. While many drivers shop for Auto Insurance by comparing prices, it can be hard for them to understand the details within each policy and just how different these companies are when it comes to settling claims.

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What to do if you’re involved in an Accident

Try to relax

Never leave the scene of the accident.

If possible, move to a safe area.

Put the car in park, turn off the engine, and take a moment to breathe.

If moving your car isn’t possible, turn on your hazard lights…

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Creating a Home Inventory

What if we asked you to open a blank word document and make a list of all the items in your home, along with their current value?  If the thought of such an undertaking makes you cringe, don’t worry, we have a better idea.

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