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Be aware of Uber and Airbnb insurance gaps

February 19 2016
Making money by driving for Uber or renting out all or part of your home through Airbnb sounds like a great idea. However, personal auto and home insurance policies don't cover these situations...leaving you with a serious coverage gap should an accident occur.

Murphy's Corner...Delivering value for you

February 12 2016
In case you haven’t heard it frequently enough… Thank you for your business. We appreciate you choosing Murphy Insurance as your source for obtaining insurance coverage to protect everything that matters most in your life… personal, business or both.

Can you afford to replace that ring, bracelet, etc.?

February 08 2016
Insuring jewelry is different from your other personal possessions. Standard home, renter and condo policies generally have a $1,000 specific limit in the event of theft. You may be able to increase that amount to $3,000 with some companies; however, for an expensive piece such as an engagement ring, you probably would have a coverage gap. Find out how you can protect the full value of your high value jewelry and get better coverage for situations such as losing the ring or a stone falling out.

8 myths about life insurance

February 04 2016
Maybe it's the natural human aversion to thinking about our mortality combined with various myths about life insurance that results in procrastination and avoidance of this topic. If you're among those who have avoided addressing your life insurance needs, we'd like to encourage you to take action by dispelling some life insurance myths.

Changing “garaging”? Don’t delay telling your agent!

January 29 2016
The location where your vehicle is primarily parked overnight is termed the garaging location. If the garaging location changes, your auto insurance policy states that you are required to notify the insurance company immediately. There is no grace period for notification; therefore, it's a good idea to let your agent know in advance when a garaging change will occur. Failing to notify the company of a garaging change can result in an auto insurance claim being denied.

Fending off home burglars

January 22 2016
The Federal Bureau of Investigation reports that there are over 2 million burglaries per year in the United States. Nearly two-thirds of these burglaries occur in residences. Approximately 30 percent of all burglaries happen through an open or unlocked window or door. A home burglary occurs every 13 seconds in America.

Get proper protection for your home business

January 12 2016
Running a business out of your home changes the loss exposures and characteristics of your residence as far as your homeowners insurance company is concerned. Your homeowners policy will cover losses to the property caused by perils such as fire, wind, lightning, and theft. And the liability portion will pay if someone is hurt on your premises. But if you run a home business, any loss associated with that business may be your problem unless you obtain additional protection.

Are you covered when you borrow someone's car?

December 29 2015
Auto policies have a variety of exclusions and conditions that limit coverage in certain circumstances. “Regular use” and “business use” are two coverage issues that you should understand...