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Blog: Murphy Insurance Blog

Motorcycles: properly insuring your bike

May 24 2018
Spring, summer and fall are motorcycle season. It’s common for cyclists to remove coverage in the winter and add it back in the spring when the weather gets good. Just remember you should never drive your bike even once without ensuring your coverage is up to date. It’s also a good idea to take an in-depth look at your coverage periodically because you might change bikes, change riding habits or buy special equipment and all those things can impact your coverage needs. Here are some areas to consider.

Insuring your classic car

May 07 2018
Unique vehicles require special auto coverage. A classic, custom, collectible or antique car requires insurance that reflects your vehicle’s uniqueness and value. If you own—or are thinking of owning—a special set of wheels, find out about the kind of policy you need.

Flood insurance issues for home sellers and buyers

April 12 2018
If you are selling or buying a home, be aware of changes the National Flood Insurance Program (NFIP) and flood insurance rates that began on April 1, 2015. The changes to rate structures have significant impacts to property owners/buyers especially those with properties currently in a flood zone or properties newly mapped into a Special Flood Hazard Area with the redrawing of flood maps.

Mitigate your sewer backup loss exposure

April 10 2018
Sewer backup loss exposures are a common coverage gap under a homeowners policy. However, this exposure can typically be covered by the addition of a "Water Back-up and Sump Overflow" endorsement to your policy. In addition to procuring the proper insurance coverage, homeowners should adopt several risk control techniques concerning this loss exposure.

Boat insurance - Make sure you're covered on the water

April 09 2018
Not all boaters are responsible and safety conscious, and there are many unregistered boaters on waterways, which makes it even more important that to properly insure your boat, yacht and watercraft to protect you and your loved ones.

MA RMV closed and no RMV services for 3 days starting March 22 at 7PM

March 16 2018
The MA Registry of Motor Vehicles will be closed from Thursday, March 22 at 7 p.m. until Monday, March 26 at 8 a.m.in order to perform a technology and software upgrade required to comply with federal security standards. All non-public safety services are unavailable, and the RMV will NOT process any transactions.

Is your business prepared to survive a disaster?

March 14 2018
Forty percent of businesses do not reopen after a disaster and another 25 percent fail within one year. But by taking action in advance to prepare, businesses can increase their chance of getting back on their feet financially and keeping their doors open.

Flood insurance: Storm claims Q&A, part 3

March 12 2018
When you think of flooding, you may think strictly of rivers or bodies of water. Did you know that: •Homeowners are 4 times more likely to sustain a loss from a flood than a fire. •25 percent of all flood insurance claims are filed in low- to moderate-risk areas. Here are some common questions that we get about floods...