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Articles about home

29

 The start of hurricane season is right around the corner (June 1 – November 30). So now’s the time to check your homeowners or renters insurance—and this handy list will make it easy to be sure you’re well-prepared in case a storm comes your way.

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10
Every homeowner, renter and college student should have an inventory of their possessions. Just imagine…if you had a fire or burglary, would yo... Read more >

Posted in: home
14
Imagine how you’d feel if you looked down and saw the stone missing on your diamond ring? Would it be covered by your homeowners', condo own... Read more >

12

If disaster strikes, you'll want enough homeowners insurance to rebuild the structure of your home, to help replace your belongings, to defray costs if you're unable to live in your home and to protect your financial assets in the event of liability to others. Use these guidelines to help determine the coverage and amounts you need.

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Posted in: home
10

Water damage is among the most common reasons for making a property damage claim. Home, condominium, renter insurance and commercial property policies cover a variety of types of property damage caused by water; however, not every instance of water damage is covered by insurance.

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26

Melting snow can refreeze at the edge of a roof creating an “ice dam” that prevents water from draining off the roof and causes it to pool and back up under the roofing material and into the attic or along exterior walls. It can cause significant water damage to a home. Consider these tips for prevention.

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Posted in: home
08

Winter months often increase the risks of a variety of claim situations. Being proactive can help reduce the chances of having an accident or loss.  Keep in mind these 9 tips to avoid claim situations that are not only costly but can cause you significant stress.

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15
Thanksgiving Day is a fun holiday that many of us look forward to all year. As you plan and prepare for your Thanksgiving feast, be sure to keep safet... Read more >

10
The National Fire Protection Association (NFPA) discourages the use of outdoor gas-fueled turkey fryers that immerse the turkey in hot oil. These turk... Read more >

26

Anyone hosting a Halloween party should take steps to limit their liquor liability and make sure they have the proper insurance. Social host liability laws vary widely from state to state. Some states do not impose any liability on social hosts. Others limit liability to injuries that occur on the host’s premises. Some extend the host’s liability if the person who was provided the alcohol is killed or injured, or kills or injures another person. Many states have laws that pertain specifically to furnishing alcohol to minors. 

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The information provided in these articles are only general descriptions and should not be relied upon as complete, correct or accurate for your specific situation. All coverage informaiton is subject to policy provisions, endorsements and may be  subject to your meeting underwriting qualifications. Murphy Insurance Agency is not engaged in rendering legal, accounting or other noninsurance professional services. Consult an appropriate professional for advice regarding your own situation.