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Is It Time….for an Insurance Review?

Another year is coming to an end and as your thoughts shift toward celebrating the holidays, winding down the year and making plans for 2018 to be a year filled with success, we wanted to share this… The more your insurance agent knows about their clients, the better they can serve you. At Advocate Brokerage it is important for us...

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2017-12-14
By: Advocate Brokerage

Baby It’s Cold Outside: Tips for Winter-Proofing Your Home

This winter is already shaping up to be quite a cold one. With a record-breaking snowstorm slamming South Dakota in early October and freezing temperatures all across the Midwest, predictions that the 2013-2014 winter season will be a doozy are looking right on target. You and yours should be prepared for heavy snows and chilly temperatures, and here at Advocate...

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2013-11-04
By: Advocate Brokerage

Superstorm Sandy Revisited

The first year anniversary of Superstorm Sandy gives us time to reflect what we learned from this unprecedented event.  In our 45 years as insurance brokers in Westchester County, we never encountered a situation where so many people were not merely inconvenienced, but had parts of their lives destroyed. Trees toppling onto homes, excessive flooding, the destruction of cars and...

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2013-11-01
By: Advocate Brokerage

That Sinking Feeling – Protecting Your Florida Vacation Home

By Rosalyn BindayImagine waking up to find that the ground beneath your bed is crumbling – the confusion, shock, and horror you would feel! A tragedy befell one man near Tampa, Florida, when he fell to his death earlier this year, swallowed by a sinkhole that opened up beneath his bedroom. A near tragedy was averted just a couple of weeks...

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2013-09-11
By: Advocate Brokerage

Replacement Cost Versus Market Value

By Roz Binday The tragic before and afterDo you know what insurance to value means? As everyday consumers, we sometimes have the tendency to brush off and ignore such industry jargon, but the following situation shows just how important understanding them—and making sure your agency provides adequate coverage—can be.On a cold March evening in South Dakota, one homeowner was smoking a...

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2013-08-08
By: Advocate Brokerage

Cost of Coastal Living to Climb Under New Flood Rules

New York and New Jersey residents, just coming to grips with the enormous costs of repairing homes damaged or destroyed by Hurricane Sandy, will soon face another financial blow: soaring flood insurance rates and heightened standards for rebuilding that threaten to make seaside living, once and for all, a luxury only the wealthy can afford. Homeowners in storm-damaged coastal areas...

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2012-12-20
By: Advocate Brokerage

Concerned about

[youtube http://www.youtube.com/watch?v=Z7xlSW6KT5I] Recently, The news has been filled with stories of horrific home fires in Connecticut, New Jersey, and New York that have cost lives including children, destroyed properties, and left many homeless. Not so long ago, we at Advocate Brokerage were on the consumer side of the divide, having to deal with unreliable, costly home insurers -- which is...

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2012-03-19
By: Advocate Brokerage

Advocate Brokerage Principals Support United Way of Scarsdale-Edgemont

#SCARSDALE – Rosalyn Binday and Denise Koslowsky helped United Way launch its 2008-2009 campaign. Roz Binday, a founder of Advocate Brokerage with her husband, Ron, and Chairperson of the Board of Directors of United Way of Scarsdale-Edgemont, attended the Leadership Reception for its most committed supporters to kick off the campaign. United Way brings people and resources together to tackle...

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2012-02-19
By: Advocate Brokerage

WHEN THE HOME MARKET IS SO LOW, WHY MUST MY DWELLING LIMIT BE SO HIGH?

Rosalyn Binday, Founder Advocate Brokerage Corp. This is a question we are asked often. Despite falling home prices, the cost to rebuild a home is not the same as the sales price, or market value. Market value is influenced by other factors such as location, quality of schools, the interest of other buyers…and of course, the fluctuation of the general...

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2012-01-13
By: Advocate Brokerage

Flood Insurance – Water, Water Everywhere

FLOOD INSURANCE Rosalyn Binday, Founder Advocate Brokerage Corp. Water, Water Everywhere… It seems like “hundred year” storms are coming our way on a more regular basis. If you think flooding is only a coastal event, think again. Much of the northeast was inundated, including homes on high ground that are not in a flood zone and have never been flooded...

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2012-01-11
By: Advocate Brokerage

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