Protecting Your Identity This Holiday Season

christpass tree with gold and red ornaments and presents

The holiday season is upon us and many of us now do most of our shopping online. With that, we want to remind you of a few ways to make sure you’re protecting your identity while shopping online. Know What to Look for to Ensure a Site Is Legit Before you just purchase something from any online store, you want to make sure that the website is legit and secure. To know if this is the case, their URL will start with an “https” and there will be a locked padlock before the URL. Also, do a quick search for reviews to find out ifRead More →

Workers’ Compensation Insurance – What You Need To Know

Workers compensation is something every business owner needs. Do you need workers compensation for your business? Contact Advocate Insurance today.

If you own a business and you have employees, you need to have Workers’ Compensation Insurance. This is mandatory in Pennsylvania and if you do not carry any, you may be subject to lawsuits by employees and event criminal prosecution by the state. Workers’ Compensation Insurance provides benefits for your employees in the event of a work-related injury or illness. Let’s discuss what it covers: Medical Expenses Through Workers’ Compensation Insurance, your employee will have coverage to help them pay for any medical expenses for the work-related injury or illness. Missed Wages If your employee needs to take off work to recover from a work-relatedRead More →

Do I Need Life Insurance?


Nine times out of ten, every adult should have some form of life insurance. You may not think you need it, especially if you’re single without children, however that is not the case. Let’s discuss it further and why you may need it. You have a family Whether or not you are married without children, or married with children, you have people that count on you and your income. Having life insurance provides them with some security in the time of your passing. Generally, you want to have enough insurance to cover funeral costs as well as for bills while they grieve your loss. YouRead More →

Why Do I Need Car Insurance?


You have a car and you may be wondering, do I really need to be paying for this insurance each month? The answer is yes! Continue reading to find out why it is necessary. Required By State Law One of the main reasons is because in Pennsylvania it is required to have at least the minimum coverage. If you choose to risk it and go without coverage, you could be fined up to $300, as well as have your driver’s license, registration and license plate suspended for three months. Required By Lender Along with it being required by the state, your financing lender may alsoRead More →

Should You Bundle Your Home and Auto Insurance?


You have a house and a car and you need insurance for both of them. Have you ever considered bundling them? Bundling insurance policies is when you buy multiple insurance policies with one provider. Many homeowners will bundle their auto insurance with their homeowner’s insurance. Is this beneficial? Let’s review. Pros Most insurance companies will offer a discount if you bundle policies together. Bundling makes it simpler on you so you only have one provider you need to work with. Cons You will save money at first, but they will start to raise the rates. Because of this, we encourage that you shop around forRead More →

Going on a summer road trip?


Planning a summer road trip this year? Before you hit the road you want to make sure your vehicle is in good working order. Here are a few things you should do. Check Tires Take a quick moment to check your tire pressure and the tread on your tires. If your tires need air, or it looks like it is time to get new tires, take care of this before you leave for your trip. Oil and Fluids Pop the hood and inspect your engine oil and other fluids. Top off any of them that appear to be low. If your vehicle is due forRead More →

Learn More About Advocate Insurance

Do you need Commercial Property Insurance? Contact us if you're in Berks County PA?

Advocate Insurance is an insurance company located in Reading, PA. We are a full-service insurance company who can help you find a variety of insurances for both personal and business. Personal Here at Advocate Insurance we can handle all of your personal insurance needs. From homeowner’s insurance to auto insurance we can do it all. We work with you to find the right type of insurance that will fit within your budget, while providing you with enough coverage to cover what matters most. Here are some personal insurances we can assist you with: Homeowner’s Automotive Life Disability Motorcycle Valuable Item Liability And more If youRead More →

Understanding Homeowner’s Insurance


If you’re a first-time homebuyer, one thing you need to make sure you have, when you purchase your home, is homeowner’s insurance. While having homeowner’s insurance is not required by law, banks and lenders will require you to have it. This month we would like to discuss what homeowner’s insurance is and what it can cover. What is Homeowner’s Insurance? Plain and simple, homeowner’s insurance will compensate you if something happens to your home, your property and everything in it. It comes into play should your home be damaged or destroyed from a natural disaster or theft. It also helps cover you if someone injuresRead More →

Spring Home Maintenance


Spring is here and as the weather warms up we need to take care of some home maintenance tasks around the house. This past winter, February in particular, created havoc with lots and lots of snow. This is why this year, it is very important to do some home maintenance outside. Here’s a checklist for you to follow: Gutters and Downspouts – You want to make sure to get out and clean any clogged gutters and downspouts. April showers are just around the corner, and if your downspouts and gutters aren’t cleaned, you may end up having issues with water getting into your house. RoofRead More →

Understanding Auto Insurance

get your car ready for your summer vacation with preparations and auto insurance

We all know what auto insurance is, but do you understand what each part of your policy means? When reviewing your policy, it may be a little confusing to understand, but we’re here to help explain parts of the policy. First of all, you should know what the different types of auto insurance are and what each one entails. Let’s run through a quick list of some of the most common types provided. Collision Coverage: The most common type of insurance that’s used for collisions when on the road. This includes running into other vehicles, walls or guardrails, barriers or roadblocks, and similar structures. ComprehensiveRead More →