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Blog: Murphy Insurance Blog

Before you say, "I don't need renter's insurance"...

October 05 2018
Many renters underestimate how much they are putting at risk by not having this extremely affordable coverage. If you don't have renter's insurance, are you saying "No" before you are really clear on what renters insurance does for you? Renter insurance covers is damage to your personal property and also provides liability coverage.

Understanding your insurance deductibles

October 01 2018
Know how your deductibles work to prevent surprise costs—and save money. A deductible is an amount of money that you yourself are responsible for paying toward an insured loss. When a disaster strikes your home or you have a car accident, the amount of the deductible is subtracted, or “deducted,” from your claim payment.

Community & volunteer related liability loss exposures

September 20 2018
Many people face a variety of community-related and volunteer-related loss exposures. For example, if you or a family member holds some type of leadership role in a community, charity, religious, not-for-profit, or political organization, you should consider certain risk management recommendations.

Understanding the insurance claims payment process

September 14 2018
How are you paid? Who gets the check? Do you need to replace items immediately? After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here's what you need to know about claims payments.

Covering losses with business interruption insurance

September 11 2018
Standard property insurance covers physical damage and losses—furniture destroyed in a fire, a storm-damaged office building or stolen equipment. This coverage can help you pay the costs of rebuilding or replacing damaged property. But what about losses resulting from your business’s inability to operate because of property damage? For this type of loss, you’ll need business interruption insurance, also known as business income insurance.

Don't be confused about multi-policy discounts

September 06 2018
Discounts for having auto & home/condo/renter policies with the same company can be confusing. We're always working to help you maximize your discount opportunities and save money. In the past, a multi-policy discount only applied on a home-type policy. Discounts are available on both home and auto policies, which can mean greater savings. • auto policy discounts with a home range from 8% to 10% • home policy discounts with an auto range from 5% to 20%

Top 10 small business insurance claims

September 04 2018
Four out of 10 small businesses are likely to experience a property or general liability claim in the next 10 years. Check out these top 10 business claim situations and then determine if it's time to review and perhaps update your coverage.

5 tips for solid auto insurance coverage

August 28 2018
Most often car insurance pays for damage to vehicles, but the biggest risk to you financially is injuring people and not having enough Bodily Injury to Others coverage. You can’t predict an accident happening nor can you predict how many people could be injured. How far would bodily injury protection of $50,000 per person/$100,000 max per accident go if you seriously injured four or more people requiring extended hospital stays and extended rehabilitation? The cost to increase this...