Advocate Brokerage of Scarsdale, New York

Step 1
Determine Which Insurance Company & Coverage Plan is Right for Your Home

Step 2
Estimate The Home's Replacement Value

You will purchase your home for "market" value, however you will insure your home for it's "replacement" value.  This represents the anticipated cost to rebuild your home in the event it's completley destroyed.  Before you can develop a premium quotation, you must first estimate your home's replacement value.  The calculator below will help you ballpark your home's replacement value. You will need to know the square footage and basic features of the home.

* It is also important to note that in many cases a pofessional appraiser will visit your home after you purchase a policy.  The primary purpose of this service is to note any special architectural details, interior features and to verify whether or not your policy provides an adequate dwelling replacement coverage.  This is the best way to assure yourself that your investment is insured 100% to value and that your company is prepared to restore your home to it's exact condition before the loss occured.  Chubb, Fireman's Fund & AIG all provide this service for free to every client!

Dwelling Replacement Cost Calculator

Step 3
Quote & Compare The Pricing On-Line

Once you have estimated the home's replacement value you will be ready to develop sample quotations with a few of our companies (including Chubb, Fireman's Fund & Travelers).  The following link will take you to our instant, on-line quoting engine.  The process takes just a couple of minutes and does not require you to enter personal information such as date of birth or social security number.  The information you do enter will be kept confidential within our organization and not shared with any third party companies, under any condition. 

It is important to note that the following pricing is an "off the shelf" indication only.  It's extremely likley that we will be able to customize both the coverage and pricing to better suite your needs and we therefore encourage you to contact us when you are ready to purchase a policy ... Phone # 914.723.700 / Email info@advbc.com.

Instant On-Line Quotation Comparisons

Choosing the right insurance agent is as important as choosing the right insurance company!  You want an agency that will provide you with the advice, service and sophistication you deserve ... an agent in tune with the local community ... one with vast experience and a solid reputation ... an agent that has built strong relationships with the industry's top companies ... and an agent that promises that the service will not stop with the sale!

Why Choose Advocate?

Advocate Brokerage Corp has been servicing the insurance needs of Westchester and beyond for nearly 40 years.  We are proud to have developed a top reputation as a superior provider of insurance products and service. In 2002 we were inducted into the Westchester County Chamber of Commerce Business Hall of Fame and have annually recieved both Chubb and Travelers top agency designations.

We work with several of the industry's top carriers and our experince and relationships with these companies has enabled us to pre-approve and bind applications with lightning speed and accuracy.  Furthermore, we belive in technology and have made several investments to streamline both the sales and service workflows.  What this means to you is fast, dependable and accuract service - guaranteed!

Our vast expereince, unique company relationships and utilization of the latest technology means we can deleiver the very best insurance advice and customer service in the industry. 

Thank you for providing our firm with the opportunity to serve as your insurance Advocate!

(914) 723-7100 

Homeowner Eligibility & Underwriting

 Homeowner Insurance is largely designed to protect 1 & 2 family owner occupied homes.  Eligibility will generally be based upon the condition of the home as well as the applicant’s credit & claim histories.  Homes which contain “special” circumstances or conditions must be submitted for review.  Such conditions include … 

• Vacant or Unoccupied Homes
  
• Homes Rented to a Tenant
  
• 3 & 4 Family Homes
  
• Homes Under Construction or Renovation
  
• Coastal Properties
  
• Homes with Claim Histories
  
• Applicants Who Own An Aggressive Bread of Dog
• Applicants With An In-Home Business

Available Discounts & Money Saving Ideas

All insurance companies offer various ways to help keep your premiums down. These options include … 

• Account Credits for packaging your auto & home insurance
• Discounts For New Home Buyers
• Discounts For Retirees
• Various Deductible Options
• Central Station Fire/Theft Alarm Discounts
• Interior Sprinkler System Credits
• New Construction & Renovation Discounts
• Gated Community Discounts
• Extended Security Protection Discounts (Closed Circuit TV, Security Guard, Etc)
• Credits For Caretakers
• Temperature Monitor Discounts
• Permanently Installed Backup Generators
• Water Flow Alarms
• Lightning Protection Systems
• Gas Leak Censor
• & More

Available Coverage Enhancements

Homeowner insurance policies do contain a number of coverage exclusions and limitations, which will vary from company to company.  The following are a few available endorsements which can be included with your homeowners policy for an extra cost. 

• Personal Excess / Umbrella Liability
  
• Scheduled & Blanket Personal Property For Jewelry, Fur, Fine Art, Collections & More
  
• Flood Insurance
  
• Earthquake Insurance
  
• Additional Mold Remediation Coverage
  
• Kidnap & Ransom Protection
  
• Private Events Insurance
  
• Personal Security, Travel & ID Fraud Protection
  
• Collection Management Services
  
• Builders Risk Coverage
  
• Employment Practices Liability
  
• Workers Compensation & Disability