April showers bring… well, rain. April and May are our rainiest months and that kind of weather usually turns our thoughts to flooding and the damaging affects all that excess water can mean for our clients. Just a few inches of water can add up to 10's of 1000's of dollars in damage. Many people push flooding concerns out of...

Creating a smarter home means creating a safer home; Educating each client we serve means sharing information about the technology available to help limit the risks of damage to your home. We hope you find some of the information shared below valuable. Central Station Fire & Burglar Alarms When we discuss fire prevention, the single most important piece of advice...

Not all auto insurance policies are the same. Every carrier offers differing contracts, coverage and of course, costs. Advocate Brokerage prefers that our clients insure their automobiles with one of our elite carriers whenever possible. We have shared articles with notes as to why in the past including a real life example from our very own Denise Koslowsky that you...

According to a recent Gallup poll, 30% of Americans utilize ride sharing services such as Uber and Lyft to get around every day. They are certainly convenient, but are they safe? The recent news of the South Carolina college student who was killed after getting into a car she mistook for an Uber shocked us all but unfortunately it was...

In the event of a house fire, your family has only an average of 3 to 4 minutes to escape. That is frightening! Only 3 – 4 minutes. 30 years ago you had more time, as much as 17 minutes. But times have changed. The synthetic materials used to build your home and furnishings burn faster than the natural materials...

The past two years have been blockbuster years for catastrophes in America. Climate change has led to an increase in the severity of storms and wildfires. The warming has triggered more than just changes in the earth’s atmosphere. It has led to increased insurance coverage rates and policy limitations. Never has it been more finite that there is an underinsurance...

Life with teens is certainly an adventure! The joy of watching them learn to drive is often equally matched with the worry that they will be safe when they are behind the wheel. If you have a teen driver in your home, you will want to check out this white paper we’ve put together: Link to teen driver White Paper....

By Denise Koslowsky When I talk about insurance, which is quite often, sooner or later the conversation will come back to what I currently consider a crisis – the many homeowners who are underinsured. It is an easy topic to understand when you are speaking in regards to the homes devastated by wildfires in California or the homes torn apart...

No one really likes to think about insurance.  Insurance is a necessity that you take care of and don’t give a second thought until some type of unexpected disaster occurs.  Unfortunately, waiting to update your insurance broker could leave your insurance lacking when you need it most. Keep in mind, the more your insurance agent knows, the better they can...

If you’re a wine enthusiast who has been building a collection, we have an important question for you… Is your collection insured? According to Joseph V. Micallef, a writer for Food & Wine Magazine and contributor to Forbes, “On average, the value of the wine cellars of self-described wine connoisseurs is between $50,000 and $100,000. The total value of collectible...