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Auto Insurance

Our Personal Auto Policy can cover your entire family and all of its vehicles. We have policies which can protect car, camper, trailer, motor home and motorcycles; therefore, there is no need for a separate recreational vehicle policy.

Bodily Injury and Property Damage Liability

If you are held liable for an auto accident causing bodily injury to someone or damage to their property, Bodily Injury and Property Damage Liability coverage applies for the limits chosen whether you are driving.

  • Your own auto, pickup or van scheduled in the policy.
  • A temporary borrowed auto
  • A rental auto (up to 60 days)

Personal Injury Protection

If you, your family or any passengers in your auto are injured in an accident, your necessary medical, hospital and funeral expenses are covered under Personal Injury Protection (PIP) subject to specified limits. PIP also pays a percentage of your income of your passengers' incomes should you or your passengers be unable to work due to a covered injury (Exception: Motorcycles are not eligible for PIP).

Uninsured/Underinsured Bodily Injury

If you or other passengers in your insured auto suffer injury or death from an uninsured or underinsured driver, your policy may pay, up to the limits shown for Uninsured/Underinsured Bodily Injury, sums you are legally entitled to recover.

Uninsured/Underinsured Property Damage

If your auto or other covered property is damaged by an uninsured or underinsured driver and requires repair or replacement, your policy may pay up to the limits shown for Uninsured/Underinsured Property Damage ( Exception: Motorcycles).

Collision

If your covered auto is hit, runs into an object or rolls over, you policy may pay the actual cash value of damage (minus the deductible you select) if you have purchased Collision Coverage.

Comprehensive

If your covered auto sustains a loss caused by fire, earthquake, theft, explosion, flood, hail, glass breakage or vandalism/malicious mischief you policy may pay up to the actual cash value of damage (minus the deductible you select) if you have purchased Comprehensive coverage.

Electronic Equipment

Stereos, phones and other electronic equipment are automatically covered at no charge if permanently installed in a factory designed opening.

Saving you Money

Auto Insurance does cost money. There's no question about that. However, we have some answers for providing our customers protection at a reasonable price.

  • Vehicle Discounts for autos with automatic seat belts, air bags, 4-wheel antilock brakes, alarms and disabling devices.
  • Account Discount for customers who also have their dwelling coverage with our companies
  • Experience Discount up to 15% for drivers with a good driving record
  • Mature Driver Discount for drivers who are age 55 and older
  • Multi-Car Discount for drivers with two or more autos
  • Good Student Discount for drivers in high school or college with a GPA of 3.0, B or better

A Convenient Payment Plan

We offer an extremely flexible payment plan. Payments can be made monthly, quarterly, semiannually or in any combination you choose. You may even select a bill date that is most convenient for you.

Medical Payments

Medical Payments are made where reasonable medical and funeral expenses are incurred because of bodily injury caused by accident or sustained by an insured. Must occur within 3 years of the accident and must have occurred in on or around the insured vehicle. There are exclusions to this rule so please read your policy.


Home Coverage

Your Independent Agent, Advocate Insurance, wants to ensure that you don't face any unpleasant surprises in the event of a homeowners loss.

Like most homeowners, your home is probably your biggest investment, and you take pride in maintaining and improving it. But, have you thought about the maintenance of your homeowners insurance? Features like hardwood floors and crown molding are often not fully detailed when a homeowners policy is first purchased. Also, common home improvements like new flooring, plumbing and electrical upgrades add to the value of you home. More significant and expensive enhancements to your home like an upgrade kitchen or bath, a deck or patio, or a finished basement can increase your home's value by thousands of dollars.

Average home replacement cost increase:

  • Renovating a kitchen = $18,000
  • Finishing a basement = $22,000
  • Renovating/adding a bathroom = $14,000
  • Adding a deck and french doors = $9,000

Your homeowners insurance needs to be increased accordingly so that you don't find yourself with inadequate coverage to protect you biggest investment. Now, your Independent Agent Advocate Insurance have more sophisticated ways to calculate your true rebuilding cost.

Rebuilding Cost More Than New Construction

It costs more to rebuild a home after a loss than it does to build it new for several reasons:

  • The need for specialized, skilled restoration contractors.
  • Restoration work for each home is unique; there are no economies of scale or time.
  • Debris may need to be removed.
  • Older homes may need to be rebuilt to comply with current building codes.

All of these factors can add significantly to the cost of home rebuilding.

Growing Costs of Construction and Reconstruction

Residence built per decade: Original Cost Cost today to build
Typical residence built in 1960 $14,500 $122,000
Typical Residence built in 1970 $25,500 $136,000
Typical Residence built in 1980 $53,500 $142,000
Typical Residence built in 1990 $79,500 $148,000
Typical Residence built today $148,500 ---

Imagine this scenario:

A homeowner facing a total loss has an outstanding mortgage and home equity loan. If the homeowners insurance is inadequate, this individual risks bankruptcy. It is estimated that the typical homeowner is underinsured by as much as 27 percent. We don't want this to happen to you.

It's Easy to Ensure Your Peace of Mind

To better protect you, your Independent Agent Advocate Insurance wants to be certain that all policy information about your home is complete and up-to-date. Through a short survey conducted by you agent, a comprehensive home profile is developed. The information you provide is used to generate a complete inside and outside profile of your home. Then a reconstruction cost estimate is calculate, allowing Advocate Insurance and your Independent Agent to insure your home for its full replacement value.

No one wants to think about losing a home. But, isn't it nice to know that in the event of such a disaster, Advocate Insurance and your insurance company will be able to get you back into you home- restored to its original condition and quality- as quickly a possible.

You care about your home and family. Advocate Insurance does too.


Umbrella

Our Personal Umbrella Liability Policy can help protect the assets ( including future earnings) of your entire household from financially devastating lawsuits. Daily newspaper articles report that Americans are suing each other more than ever before. If the liability limits of your auto, homeowner, boat or other liability insurance policies are not adequate, a Personal Umbrella Liability Policy can help provide that additional layer of insurance ( to the extent of the Personal Umbrella Liability Policy limits) that is necessary to protect your lifestyle. Even if someone alleges you were negligent for an incident that causes injury, legal fees may be extremely high even if the verdict is in you favor. Your Advocate Insurance Personal Umbrella Liability Policy provides coverage for legal defense costs for a covered loss.

Eligibility Requirements

  • Your auto insurance limits must be at least $300,000 Combined Single Limits (CSL) or $250/500/100 Split Limits
  • Your homeowner, renter or condominium liability limits must be at least $300,000 CSL
  • Your water-craft liability limits must be a least $300,000 CSL
  • All underlying policies must be written with your primary carrier

*Credits are available for higher underlying limits.

Additional Advantages

Your Personal Umbrella Liability Policy provides Personal Injury and Property Damage protection:

  • Against libel, slander and defamation of character
  • Against mental anguish or mental injury
  • Accidental death
  • And while serving on a board, or as an officer of a religious, charitable or nonprofit organization as long as it does not involve your business of profession

*Various limits competitively priced.

Limits begin at $1,000,000 but higher limits may be available. Since your other insurance policies would pay first, Personal Umbrella Liability insurance is relatively inexpensive in view of the degree to which it protects your lifestyle. The premium is based on the limits selected, you number of autos, residence, boats, etc., and the area where you live.

A Convenient Payment Plan

We offer an extremely flexible payment. Payments can be made monthly, quarterly, semiannually or in any combination you choose. You may even select a bill date that is most convenient for you. Combined policy billing is also available when you have more than one policy written with your primary carrier.

You May Need a Personal Umbrella Liability Policy if:

  • You have total assets greater than underlying liability limits
  • You are financially responsible for the actions of a young inexperienced driver
  • You perform extensive volunteer work for nonprofit organizations
  • You frequently host guests on your property
  • Your residence includes a swimming pool
  • You own water-craft

Examples:

  • Your teenage resident son takes the family speedboat out and negligently collides with a high-priced yacht
  • You accidentally hit a fellow golfer in the head with a golf ball, causing brain damage
  • A guest at your two-story home falls down the stairs, due to a faulty railing, and is paralyzed as a result
  • You, in your volunteer role as the editor of your homeowner association newsletter, libel a fellow homeowner and are sued for a large sum of money
  • You and your neighbor take turns watching each other's children and you lose track of the neighbor's toddler, who drowns in the backyard pool
  • You are a member of a board of directors for a nonprofit organization, for which you receive no compensation. You are sued in connection with a business decision made at one the quarterly meetings

Boat / Recreation Vehicles

Our Boatowner Policy provideds protection on the water, on the road or while in storage all year long. Similar policies are available for snowmobiles and ATV’s as well.

Protection for Your Boat, Motor, Trailer and Equipment

This includes, spars, sails (not parasails), spinnakers and accessories such as marine radios, depth finders and positioning equipment against loss or damage from:

  • Fire and Explosion
  • Theft and Vandalism
  • Windstorm
  • Collision
  • Sinking and Other Common Hazards

You may apply $500 per occurrence as an additional amount of insurance to cover loss to personal effects arising out if a covered loss to the boat or motor. Personal watercraft, sailboats and recreational powerboats up to 31 feet are eligible. Some horsepower limitations do apply. For your concenience, all of your pleasure boats can be insured under one policy. And, unlike many other companies, Advocate Insurance can insure your boat even if your auto and home are insured elsewhere.

Liability

If you accidently injure another person or damage the property of others, liability coverage is provided. Coverage is also extended to family members or anyone operating the boat with your permission. For example, our policy can cover you if:

  • You hit a swimmer
  • Your boat collides with and damages another boat
  • Your boat damages a non-owned dock
  • If you purchase hull coverage only (e.g. no liability) up to $500 is available for collision liability if you damage someone else's boat

Medical Payments

Medical expenses resulting from injuries received in a boating accident are covered for:

  • You and the passangers in you boat
  • Water skiers behind your boat
  • You, members of you household, and guest passengers, while in the water, if struck by any boat

Towing and Labor Costs

Up to $100 is available

Loss Settlement Provisions

Most partial losses are adjusted without deduction for depreciation. Other losses, including total loss and loss to sails, spars, rigging and canvas or plastic covers are adjusted subject to depreciation.

Saving you Money

Advocate Insurance believes that safe boating practices and navigation and safety equipment help prevent boating accidents. That's why we offer the following discounts:

  • Completion of USPS or USCGA safety courses--10%
  • Diesel Powered -- 10%
  • Sail (no auxiliary power) -- 10%
  • Radar, Depth Finder, Ship-to-Shore Radio, Radio Direction Finder or LORAN, Global Positioning System (GPS), Built-in Fire Extinguishing System -- 25%

Application of these discounts can result in premium savings up to 25%. By selecting higher deductibles, you can save even more.

A Convenient Payment Plan

We offer an extremely flexible payment plan. Payments can be made monthly, quarterly, semiannually or in any combination you choose. You may even select a bill date that is most convenient for you. Combined policy billing is also availible when you have more than one policy with your primary carrier.


Bonds

Advocate Insurance provides license, surety and performance bonds. If required, Advocate can find bonds the State requires for licensing in Washington, Idaho and Montana. Surety and performance bonding is also available through a number of carriers that we offer. Should a bond be required we can provide all aspects of bonding needs.

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Health Insurance

Health insurance is where the carrier pays the medical costs of the insured if the insured were to become sick due to causes covered by their policy or due to accidents. The majority of health insurance policies cover the cost of routine, preventative and emergency health care procedures as well as most prescription drugs. We are licensed with various health insurance providers. This allows us to use our knowledge of them to make sure you are matched with the correct carrier in order to receive the best possible coverage. Depending on doctors, work situation and industry we can custom tailor a policy to fit your needs. Health Savings Accounts, and various deductibles and co-pays can be manipulated to put together an affordable plan that fits your budget.


Life Insurance

Life insurance is a contract between the policy owner and their carrier, where the carrier agrees to pay a specific sum of money in the case of the eventual death of the policy holder. Because life insurance policies are presented as legal contracts, they will usually include limitations placed upon the events which would result in payment to a Beneficiary. Upon the policy holder’s death, a sum is paid to the designated Beneficiary. Events which will result in a sum being paid to a designated Beneficiary are:

  • Death
  • Diagnosis of a terminal illness
  • Accidental death

Advocate Insurance Service Inc., is affiliated with a number of brokerages who match each individual with the carrier that will provide the highest amount of coverage at the lowest cost possible. To provide a quote we obtain individual medical information, which may or may not include a physical to determine individualized guaranteed rates. This is just one of the advantages to working with Advocate over a captive writer, meaning they only work with a single carrier who may or may not have the most competitive rates for a particular individual.

Another advantage to working with Advocate is that we adhere to principals provided by financial counselors such as Dave Ramsey and Crown Financial Concepts on behalf of our clients. Our primary concern is making sure coverage is available to the family when the need arises. Life insurance is always and only about love for those left behind. Our responsibility to our clients isn’t over until the funds are available to alleviate any concerns left at the time of a loved one’s passing.


Disability and Workers Comp.

Disability insurance offers payments to employees who are unable to work because of injury or illness, even if it is not job-related. It is different from workers compensation in that this coverage may or may not involve any aspect of health insurance, life insurance, or payments for pain and suffering. As with Life Insurance, Advocate matches specific Disability Insurance with the needs of the client to find the best possible product and cost for each clients individual needs. Workers Compensation offers payments to employees who are unable to work because of injury, but that injury must have been job-related. Workers compensation can offer payment for past and future economic loss, reimbursement or payment of medical expenses, general damages for pain and suffering, and benefits payable to dependents of workers killed during employment.

While most of our clients use Idaho State Insurance Fund, we have a number of other carriers who can be competitive in various situations. Please call us to allow us to find a policy that matches your company's specific needs. Using State Insurance Fund through us as a broker costs you no additional premium and your dividend check is not affected. Having many clients and a significant book of business with Idaho State Fund allows us to negotiate on your behalf to your advantage. Our relationships with underwriters and staff members of State Fund can translate to less difficulty for you in the case of a claim.

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Contact Us:


Adovocate Insurance, Inc. | Map
506 Alder Street. Sandpoint, ID

Phone: 208.255.2222
Fax: 208.255.4444
Email: info@advocateinsurance.com


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