Home insurance will cover every type of personal liability | Insurance Myths

May 23, 2025|Insurance Myths|home insurance, homeowners insurance, liability insurance, personal insurance, personal liability, personal umbrella policy, umbrella insurance

Many homeowners believe that their home insurance policy protects them from all types of personal liability—but that’s a common and potentially costly myth. While home insurance does include liability coverage, no policy covers everything. Understanding the limits and exclusions of your policy is essential to making informed decisions and being prepared for the unexpected.

🏡What Home Insurance Liability Typically Covers

Most standard home insurance policies include personal liability coverage provides protection in the event of:

Injuries on Your Property: If a guest slips and falls in your home, liability coverage can help pay for their medical expenses or legal costs if they decide to sue.
Accidental Property Damage: Covers costs if you accidentally damage someone else’s property, such as knocking over a neighbor’s fence.
Legal Defense Costs: If you face a lawsuit related to covered liability claims, your policy can help with legal fees.

Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

Understanding the Limits of Home Insurance Liability Coverage

While home insurance provides broad liability protection, it’s important to be aware of limitations and situations that may require additional planning or coverage. Here are some examples where standard policies may not offer full protection:

High-Value Claims: If a liability claim exceeds your policy’s limit, you could be responsible for the remaining costs—considering umbrella insurance may help.
Business Activities: Running a business from your home may not be covered under a typical policy, so exploring business-specific coverage is a smart step.
Certain Recreational Activities: High-risk features like trampolines or large gatherings may need added liability protection or special endorsements.
Defamation or Libel Claims: Legal issues involving slander or libel often fall outside standard coverage, so it’s worth reviewing your policy or speaking with an agent about coverage options.

Being informed about these limitations can help you take the right preventative measures and explore additional options to ensure comprehensive protection.

☂️How Umbrella Insurance Can Help

To protect yourself in situations where liability exceeds your home insurance limits or falls outside your policy’s coverage, umbrella insurance can offer an extra layer of protection. This type of policy provides:

Higher Coverage Limits: Extends your liability coverage beyond the limits of your home and auto insurance.
Broader Protection: Covers additional liabilities, such as libel, slander, or claims related to volunteer activities.

🔎Why Regular Policy Reviews Are Essential

As your life and circumstances change, your liability risks may evolve. Periodically reviewing your home insurance policy with a Murphy Insurance agent can help you identify gaps in coverage and determine whether additional policies, like umbrella insurance, should be considered. Contact us to ensure you have the right protection in place.

Visit Our Homeowners Insurance Page

At Murphy Insurance, we take great care in assessing your options for homeowners insurance to ensure you receive the most favorable value. Our dedication to serving you entails collaborating with highly rated insurance providers and conducting comprehensive assessments of available choices. We aim to achieve the ideal equilibrium between affordability and coverage that suits your needs. Please let us provide you with a customized homeowners insurance quote.

Read our Homeowners Insurance Blog Posts

Home insurance will cover every type of personal liability | Insurance Myths

May 23, 2025

While home insurance does include liability coverage, no policy covers everything. Understanding the limits and exclusions of your policy is essential to making informed decisions and being prepared for the unexpected. For more extensive or specific liabilities, additional policies like umbrella insurance may be necessary. Here’s what you need to know to make informed decisions.

Insurance should be bought and used for every accident or disaster | Insurance Myths

May 20, 2025

While it’s tempting to lean on your insurance policy whenever something goes wrong, doing so can have unintended consequences. Insurance is meant to protect you from significant financial setbacks—such as a major accident, storm damage, or liability claim—not to serve as a go-to solution for every minor mishap. What many people don’t realize is that every time you file a claim, it’s recorded in your insurance history. Insurers use this information to evaluate your risk profile, which can impact your premiums as well as overall insurability.

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While it might seem obvious that premiums can fluctuate, many people are surprised to learn just how many different factors influence those changes. Yes, your claims history matters—but so do larger economic forces, industry trends, and environmental shifts. Let’s take a closer look at what can influence your premiums and how you might be able to lower them.

Insurance policies are just a way for companies to make money | Insurance Myths

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Insurance policies are always complicated and hard to understand | Insurance Myths

May 19, 2025

While policies are indeed detailed legal contracts, they don’t have to be intimidating. Insurance agents can help you understand your coverage and make informed decisions. Let’s debunk this myth and show how policies can be approachable with the right resources.

Protecting Your Marlborough Home: A Local Guide to Homeowners Insurance

May 7, 2025

Thinking about homeowners' insurance in Marlborough, MA? Whether you're settling into your first home or reviewing your coverage, Murphy Insurance offers expert guidance and tailored protection designed for New England’s unique risks. Discover what’s included, what to expect, and how our local team can help you protect what matters most.

10 Signs a Tree May Fall on Your Property

May 3, 2025

Trees can be valuable additions to any property; however, each year, fallen trees and branches cause millions of dollars in property damage. It is crucial to proactively recognize signs a tree may be at risk of falling to help prevent dangerous and costly accidents.

Home insurance covers all types of damage | Insurance Myths

April 29, 2025

While standard home insurance provides a valuable safety net, no home insurance policy covers everything. Understanding the limits of your policy is crucial to managing your risks and avoiding misunderstandings about what's covered when a claim situation occurs. Every homeowner’s needs are unique. Reviewing your policy regularly and consulting with a Murphy Insurance agent can help ensure you have the coverage you need.

Get Ready for Hurricane Season in New England: What You Need to Know

April 21, 2025

While New England is not typically directly in the hurricane "strike zone" like the Gulf Coast or the Southeast, that doesn’t mean we’re immune to the dangers of hurricanes and tropical storms. With that in mind, it's important to have a plan as hurricane season approaches and be sure you understand your insurance coverage.

Understanding the Insurance Knowledge Gap Among Gen Z

April 3, 2025

Surveys reveals that many Gen Z adults feel overwhelmed by insurance and lack understanding of basic coverage terms, leading to gaps in their protection. However, by working with trusted insurance professionals, they can gain clarity and make informed decisions about essential coverage for their future.

Murphy’s Law: Now Officially Sponsored by Murphy Insurance

April 1, 2025

Murphy Insurance is now the official sponsor of Murphy’s Law—because if anything can go wrong, it probably already has. To mark the occasion, we’re rolling out a tongue-in-cheek lineup of “coverage” for life’s most ridiculous moments, from lost socks to seagull snack theft. While these faux policies are just for fun (for now), our real team is always here with real coverage for life’s unpredictable turns. Happy April Fools Day from Murphy Insurance—when Murphy’s Law strikes, call Murphy Insurance.

Pest Prevention | Keep Your Home Pest-Free with Proactive Measures

March 24, 2025

Pests can cause structural damage, contaminate food, and pose health risks, making proactive prevention essential since home insurance doesn’t cover pest-related damage. Key prevention tips include proper food storage, maintaining outdoor vegetation, regular home inspections, and keeping living spaces clean to minimize pest attraction. For persistent issues, professional pest control may be necessary, and Murphy Insurance is available to provide guidance on home protection and insurance coverage.

How to Prevent Falls at Home

March 20, 2025

Falls are one of the most common and dangerous accidents that occur at home and on the job—especially on staircases. In order to determine whether there are fall hazards within your home, be sure to ask yourself these key questions.

Outdoor Maintenance | Protecting Your Home and Enhancing Your Curb Appeal

March 17, 2025

Regular outdoor maintenance not only enhances your home's curb appeal but also prevents costly damage and potential insurance issues. Key tasks include cleaning gutters, inspecting the roof, maintaining landscaping, power washing exteriors, and ensuring outdoor structures like fences and decks are in good condition. Staying proactive with seasonal upkeep helps protect your home, reduce long-term repair costs, and maintain insurance coverage eligibility.

Avoiding Contractor Fraud

March 1, 2025

It’s important to stay informed when dealing with contractors to reduce the risk of contractor fraud. Use these tips to avoid contractor fraud concerns.

What is Your Jewelry Worth? When Should You Update Appraisals?

February 12, 2025

Valentine’s Day approaches, often marked by the exchange of jewelry as a symbol of love. While insuring every piece may not be practical, it's advisable to consider insurance for expensive items, particularly those worn frequently.

Renters Insurance isn’t necessary if your stuff isn’t worth much | Insurance Myths

February 11, 2025

It’s easy to underestimate the value of your personal property. But think about it: if you were to lose everything in a fire or other disaster, how much would it cost to replace your clothes, furniture, electronics, and everyday essentials? The replacement value of these items adds up quickly, even if you don’t own high-ticket items. Learn how renters insurance ensures you won’t have to start from scratch.

Wood-burning Stove Safety

January 29, 2025

The top source of fires in American homes comes from fuel-burning appliances—such as a wood-burning stove. Consider the following guidance to ensure safe operation of your stove—keeping you, your family and your home protected against the risk of a fire.

How to Reduce Winter Utility Bills

January 22, 2025

When outside temperatures begin to drop, one of the most costly consequences is the increased energy it takes to maintain a comfortable home temperature. With this in mind, consider these tips to reduce your monthly utility bills in the winter.

Ice Dams: A Winter Challenge for Homeowners

January 10, 2025

Read our blog post, Ice Dams: A Winter Challenge for Homeowners for some great tips on preventing ice dams and what to do in the case of ice dams on your roof. Ice dams are more than just an inconvenience—they can cause significant damage to your home. While prevention is the best strategy, ice dams can still form despite your efforts, so having a response plan is crucial. Ice dams occur when attic air warms to above freezing, causing snow on the roof to melt. As the water runs down the roof and reaches the colder edges, it refreezes, creating an ice dam. These dams block water from draining off the roof, causing it to pool and seep under shingles, into the attic, or along exterior walls.

How to Help Prevent Frozen Pipes

January 5, 2025

Frozen pipes can be an unnoticed danger, often going undetected until the weather begins to thaw. Here are some tips on how avoid frozen pipes and what to do if a pipe freezes.

10 Tips for Disaster-Free Holidays

December 9, 2024

From mishaps in the kitchen to accidents involving decorations, a little preparation can go a long way in ensuring your holidays stay merry and bright. Here are ten tips to help you enjoy a safe and disaster-free holiday season.

Protect Your Property This Winter: Tips to Prevent Costly Damage

November 28, 2024

From frozen pipes to roof collapses, the risks of winter property damage are real for both residential and commercial property owners. The good news? Many of these issues can be avoided with proactive steps that save you money and help keep your insurance premiums manageable.

Decorate Safely During the Holidays

November 26, 2024

While holiday decorations can be fun and beautiful, they can also present fire hazards. To keep your home and family safe throughout this holiday season, consider the following decorating tips.

How Insurers Calculate Premiums

November 13, 2024

Depending on the type of policy, an insurance premium must be paid monthly, twice a year or annually. Each policy type will have also have a different premium amount based on the coverage and policyholder. It’s essential to understand how premiums are calculated so you can secure the best deal without sacrificing coverage.

Daylight Saving Time Change: A Perfect Reminder to Check Your Smoke and CO Detectors

October 23, 2024

Daylight savings time is a perfect opportunity to keep your home safe by checking your smoke and carbon monoxide (CO) detectors. Time change days are memorable markers, making it easy to establish this habit without any extra reminders.

Why Personal Liability Insurance is Essential for Homeowners, Condo Owners, and Renters

August 14, 2024

An essential part of home, condo & renter coverage often overlooked is personal liability insurance, which provides financial protection if you’re legally responsible for causing bodily injury or property damage to another person, both on and off your property.

Keep Your Home Safe While on Vacation

June 26, 2024

Taking a trip and exploring the world is fun, but leaving your home unoccupied has some risks. Before departing, protect your property from accidents and criminals by considering the following precautions.

Keeping Mold Out of Your Home

June 15, 2024

Mold not only damages your property, but it can also cause serious health complications after long-term exposure. With this in mind, try these prevention tips to keep mold out of your home.

Tips for Preventing Home Burglaries

April 30, 2024

As a homeowner, you must protect your property from various risks, such as burglaries. To limit your chances of becoming the victim of a home burglary, consider the following steps for daily life.

Spring Cleaning for your Insurance

April 26, 2024

As you tackle spring cleaning tasks, consider reviewing your insurance policies for any necessary updates. Ensuring your coverage is current and aligned with your needs offers peace of mind as you welcome the warmer seasons ahead.

Your Renters Insurance Guide

April 17, 2024

Your landlord's insurance covers repairs to the building in the event of a disaster if you rent a house or apartment. To safeguard your belongings and liability, renters or tenants insurance is essential.

Factors that Affect Home Insurance Premiums

April 9, 2024

Home insurance coverage varies based on factors like policy type and personal circumstances. Understanding these factors ensures you have adequate coverage tailored to your needs.

How to Avoid Having an Underinsured Home

March 27, 2024

In ensuring your home is adequately covered for a disaster, it's vital to avoid being underinsured, especially considering your home's significance as a significant asset. To ensure adequate coverage, asking your insurance professional four key questions is crucial for peace of mind and protection.

Even Responsible People Get Sued

March 13, 2024

Regardless of your financial status, legal actions can incur substantial defense costs, potentially causing financial strain, irrespective of the lawsuit's outcome. Being sued, even without liability, can lead to significant financial burdens.

Costly Insurance Mistakes to Avoid

March 7, 2024

In insurance decisions, balancing coverage and budget is key. While cutting corners may seem wise, investing more initially for better protection can prevent hefty out-of-pocket expenses during claims. Avoiding common pitfalls ensures solid protection, from underinsuring homes to securing vital coverages like flood and earthquake insurance.

10 Questions to Help Assess Changing Insurance Needs

March 6, 2024

Regular insurance reviews are essential as our life circumstances evolve, ensuring our coverage aligns with our needs. Utilize these ten questions during your review to gauge if adjustments or discussions with your insurance professional are necessary.

A Full Insurance Review is Worth Your Time

February 21, 2024

You've purchased insurance for your auto, home, business, life, etc., ensuring comprehensive coverage. With the premiums settled, you might wonder why you should engage with your insurance representative unless there's a specific concern. However, it's wise to annually review your insurance coverage to understand its nuances and potential updates.

How Much Homeowners Insurance Do I Need?

February 21, 2024

Adequate homeowners insurance is essential for rebuilding your home, replacing belongings, living expenses during displacement, and safeguarding against liability. Use these guidelines to assess necessary coverage and amounts for your protection.

Don’t Put Off Creating Your Home Inventory

February 15, 2024

Having a Home Inventory is essential for every individual in a world of unforeseen events. Break down the process into manageable steps, enlist help if needed, and utilize technology to create a comprehensive list of your possessions. This will ensure peace of mind and financial security in the face of adversity.

11 Things to Discuss with Your Agent Before Taking Action

11 Issues that Can Impact Your Insurance Coverage

February 13, 2024

Your decisions, such as adding a pool to your backyard, can influence insurance pricing and availability, so staying informed is key. Some policies might have exclusions, require endorsements, or come with increased premiums due to added risks, which is important to consider when making decisions.

Can You Afford to Replace that Ring, Bracelet, etc.?

February 7, 2024

Losing a sentimental or expensive piece of jewelry without the means to replace it can be devastating. Unlike typical home, renter, or condo insurance policies, which often have low coverage limits for jewelry, insuring valuable items like engagement rings may require additional coverage to bridge potential gaps in protection.

What is Identity Theft Insurance?

January 17, 2024

Identity theft involves stealing personal information to impersonate victims, leading to fraudulent activities such as draining bank accounts or obtaining unauthorized loans. Criminals may even secure employment or housing using the victim's identity.

Warmth Without Worry: A Guide to Space Heater Safety

January 17, 2024

As the chill of winter sets in, space heaters are a convenient way to add warmth in areas that may lack central heating or need an augmented heat source during colder months, but safety should always be a top priority to avoid potential fires. Follow these crucial tips to prevent space heater fires and create a secure and cozy environment.

Understanding Rental Car Insurance

January 16, 2024

When renting a car, understand your existing coverage before considering additional insurance options. Whether from traditional rental companies, car-sharing programs, or peer-to-peer services, knowing your policies can prevent unnecessary expenses while ensuring adequate protection on the road.

What To Do If Your Pipes Freeze

January 15, 2024

There are lots of things you can do to reduce the risk of winter related losses such as frozen pipes. However, if temperatures are extremely cold and you turn on your tap to find a trickle or nothing instead of a steady flow, you probably have frozen pipes somewhere in your home. Water expands when frozen, but pipes do not, which can cause a pipe to burst. If you discover you have frozen pipes, act quickly...don't wait for them to burst.

Massachusetts Snow Removal Laws and Liability

January 9, 2024

Winter is underway and we’ve already had the first snow fall of the season. If you own residential or commercial property, it’s essential to understand your legal responsibilities regarding snow removal. The state you live in has laws that dictate snow removal and in many cases, your city or town may have local ordinances or by-laws that further define snow and ice removal responsibilities.

Fortify Your Future – A Guide to Updating Your Insurance for the New Year

December 26, 2023

With the new year, lots of us make "new year resolutions". A resolution is defined as "a firm decision to do or not to do something." So, it maybe a new habit such as exercising more, changing eating habits, quitting smoking or changing a routine. Or, it could be checking something off your "bucket list" or taking care of a long put off task or project. Your New Year's resolution should be making sure you are properly insured.

Reduce The Risk of Winter-Related Losses

December 21, 2023

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. Here are a number of steps you can take to mitigate any unforeseen situations during the winter including avoiding ice dams, frozen pipes and knowing where the main water shutoff is.

Tips for Disaster-Free Holidays

December 13, 2023

Take measures to safeguard this festive season and its celebrations against the risks of fire, theft, accidents, and other mishaps. Following guidance from the Insurance Information Institute (III), implementing a few straightforward precautions and obtaining appropriate insurance coverage can help mitigate seasonal dangers.

Christmas Tree Safety

December 7, 2023

During the holidays, Christmas trees stand as central pieces of festive decoration, sourced through cutting, roadside purchases, or artificial alternatives. Yet, their beauty doesn't negate the fire risks they pose, emphasizing the need for safety precautions to ensure a joyful and accident-free celebration.

Holiday Safety Tips

December 1, 2023

As we cherish the festive season with decorations and gatherings, it's crucial to acknowledge the potential fire and accident risks associated with these activities. While ensuring holiday fun, remember to prioritize safety measures such as checking Christmas tree freshness, inspecting lights, using flame-resistant decorations, and practicing responsible alcohol consumption to safeguard against potential hazards and ensure joyful celebrations.

Turkey Fryer Safety

November 16, 2023

The National Fire Protection Association (NFPA) strongly advises against using outdoor gas-fueled turkey fryers, citing significant safety risks associated with hot oil immersion. NFPA emphasizes the potential for devastating burns, injuries, and property damage, urging consumers to opt for safer alternatives such as professional establishments or "oil-less" fryers.

Thanksgiving Kitchen Safety Tips

November 16, 2023

As Thanksgiving approaches, prioritize safety while preparing your feast, as kitchen fires are a significant risk. According to the National Fire Protection Association (NFPA), Thanksgiving Day sees a substantial increase in home cooking fires, with 2021 witnessing a staggering 297% surge in incidents compared to the daily average.

What is Oil Spill Clean-up Coverage And Why You Should Have It

What is Oil Spill Clean-Up Coverage? Why You Should Have It.

November 8, 2023

If your home relies on a heating oil tank, ensure you explore obtaining an Escaped Liquid Fuel Endorsement, also known as Oil Remediation coverage, for your home insurance. Home insurance policies commonly exclude coverage for fuel contamination to personal property, groundwater, and neighboring properties unless you have opted for Oil Remediation coverage, which is not automatically included. Considering that not all homes are heated with oil, it's crucial to assess your insurance policy and potentially add this optional coverage to protect against potential liabilities.

Daylight Savings Time…a Good Time to Check Alarms

November 2, 2023

When adjusting the clocks for Daylight Saving Time changes, remember to ensure your smoke alarms and carbon monoxide detectors are functioning correctly, as advised by fire safety officials.

Keys to Properly Insuring Your Home

November 1, 2023

Regularly reviewing and updating your insurance is essential to safeguard both your home and financial stability in the face of significant fires or other disasters. It's crucial to ensure you have adequate insurance coverage to rebuild and replace your possessions in the event of complete destruction to your home. Maintaining appropriate insurance coverage can mitigate the financial burden and help you recover from unforeseen calamities.

Halloween Safety - Part 1: Home Safety Tips

Halloween Safety: Home Safety Tips

October 23, 2023

Halloween rivals Christmas in festive spirit, evident in the elaborate decorations adorning neighborhoods. However, amidst the excitement, it's important to consider insurance implications, especially when inviting guests or driving during the festivities.

Making Sure that Your Home is Properly Covered for a Disaster

October 9, 2023

Given the escalating construction prices and potential scarcity of materials and labor after disasters, it's imperative for homeowners to regularly update their insurance coverage to reflect improvements, major purchases, and increased rebuilding costs, ensuring comprehensive protection for their most valuable asset – their home. Underestimating coverage needs could leave homeowners vulnerable to financial setbacks in the event of unforeseen disasters or property damage.

Home Winter Weather Preparation Tips

September 28, 2023

As winter approaches, it's essential to take proactive steps to safeguard your home against potential ice, snow, and wind damage. Remember, starting the winterization process when the leaves change, not when snowfall begins, can significantly mitigate risks and ensure a safer, warmer, and more cost-effective living environment.

Steps to Take When Renewing Your Insurance

September 27, 2023

Even without filing a claim, the rising costs of insurance are surpassing inflation due to various factors such as increased repair and replacement expenses caused by labor and supply chain disruptions. Moreover, the growing frequency and severity of accidents and weather-related disasters contribute to overall rate adjustments. Our team of insurance experts can assist you in securing the appropriate coverage at a competitive rate, ensuring you receive optimal value for your insurance investment.

Understanding the Insurance Claim Process

Understanding the Insurance Claims Payment Process

September 18, 2023

In the aftermath of a disaster, understanding your insurance payment process is crucial for prompt recovery. Your insurer may issue multiple checks for temporary and permanent repairs, as well as replacements for damaged belongings, ensuring swift restoration to normalcy for both you and your insurance provider.

Alarming Number of Americans Unprepared for a Major Disaster

September 13, 2023

Amid peak disaster season, a recent national survey unveils that numerous homeowners are underinsured, lack comprehension of their policies, and have insufficient savings to sustain their households during emergencies.

Sewer Backup & Sump Overflow: Storm Claims Q&A

September 13, 2023

Heavy storm rains and other scenarios can lead to sewage backups or basement flooding, especially if your sump pump fails during power outages. When faced with these issues, the consequences can escalate into mini disasters, emphasizing the importance of proactive measures and maintenance to mitigate potential risks.

What to Do When a Hurricane Threatens

September 1, 2023

Hurricanes pose significant threats to both your family and your home's safety. Prioritize learning how to secure your surroundings and safeguard your loved ones and property when facing an impending hurricane, ensuring comprehensive protection during these dangerous storms.

Why Ordinance or Law Coverage Can Be Important for Home and Business Properties

September 1, 2023

Understanding how changes in building codes can impact rebuilding after a loss is crucial. Without proper coverage, such as Ordinance or Law Insurance, you may face unexpected expenses not covered by basic property insurance policies, leaving you vulnerable during reconstruction.

How to Keep Safe During a Hurricane

August 29, 2023

Hurricane season runs from June 1 to November 30, and the best way to protect your family, home, and business is to prepare in advance. From securing emergency supplies and reviewing evacuation plans to taking safety precautions during and after the storm, knowing what to do at each stage—watch, warning, and aftermath—can help minimize risks and ensure a smoother recovery.

Does my Home Insurance Cover Storm Damage?

August 22, 2023

Homeowners insurance serves as a financial shield for your home and belongings during unforeseen calamities. Understanding the nuances of your coverage, including potential exclusions, becomes crucial when navigating storm-related losses under your policy."

Liability and Safety Tips for Dog Owners

August 22, 2023

Even typically gentle dogs can bite when scared or protective. Annually, over 4.5 million dog bites occur, and around 800,000 require medical care. Over half happen on the owner's property, contributing to a third of homeowners insurance liability claims.

Don’t be Confused about Multi-Policy Discounts

July 31, 2023

Unlocking the potential of multi-policy discounts has never been clearer! Discover how bundling your auto and home/condo/renter policies with one insurer can lead to significant savings while streamlining your coverage needs.

Cohabiters Have Unique Insurance Coverage Issues

July 25, 2023

Cohabitation typically denotes unmarried couples or roommates living together, necessitating suitable coverage for your living arrangement. While this overview outlines key considerations, individual circumstances may vary, so please reach out to us for tailored guidance from our Associates.

How to Prepare for Hurricane Season

July 11, 2023

Prepare ahead to mitigate the devastating effects of hurricanes, which not only pose a threat to property but also to lives. Starting preparations before the storm's imminent arrival is crucial, as waiting until a hurricane watch is issued might leave you with limited options for safeguarding.

Pool Safety

July 5, 2023

Whether you own a luxurious in-ground pool or opt for an inflatable kiddie pool, prioritizing safety is paramount. With approximately 7.4 million swimming pools and five million hot tubs in residential or public use across the United States, according to the Centers for Disease Control and Prevention (CDC), it's crucial to note the alarming statistics: over 3,400 fatal unintentional drownings occur annually, with more than one out of five victims being children aged 14 or younger.

https://www.dfmurphy.com/blog/pool-safety/

Self-Storage Facilities: Insurance and Safety Tips for Storing your Stuff

June 28, 2023

Ensure your insurance coverage extends to off-premises locations, safeguarding against theft and damage from perils outlined in your homeowners or renters policy. Whether you're utilizing self-storage units to streamline your living space or for other purposes, adequate insurance coverage remains paramount in financially shielding your belongings wherever they may be stored.

Flood Insurance: Storm Claims Q&A

June 21, 2023

Many underestimate flooding's potential, but heavy rainstorms or hurricanes can cause severe damage. Floods can occur not only near rivers and lakes but also in low-risk areas due to various factors, prompting discussion on the value of flood insurance for individuals.

Fallen Trees: Storm Claims Q&A

June 21, 2023

After a severe storm or hurricane, downed trees are a common sight in your vicinity, with home/property insurance usually offering limited coverage, insufficient for the potential damage from a falling tree.

Does Home Insurance Cover Mold?

June 16, 2023

Homeowners insurance offers mold damage coverage, but not in every case, as it depends on the cause and circumstances. While standard policies typically include limited coverage, additional coverage options are advisable, given the potential for mold to develop unnoticed, exceeding basic policy limits.

How Often Should I Review My Insurance Policy?

June 9, 2023

Regularly reviewing your insurance policy, especially after significant life events like home renovations, marriage, or major purchases, ensures it's tailored to your current needs and offers sufficient protection. These periodic check-ins provide peace of mind, ensuring your coverage aligns with your evolving circumstances.

Hurricane Season to Have ‘Above-Average’ Activity

Atlantic Hurricane Season to Have ‘Near-Average’ Activity

June 1, 2023

Colorado State University’s latest forecast for the 2023 Atlantic hurricane season predicts "near-average" tropical cyclone activity from June to November. While not expecting an unusually active season, it’s still important to stay prepared for any potential storms.

Why are Home Insurance Premiums Going Up?

June 1, 2023

We often encounter the question: "Why are home insurance premiums increasing?" Various factors can contribute to individual policy hikes, yet current market dynamics are driving up prices across the insurance sector.

Boat Insurance and Safety

May 26, 2023

Learn how to safeguard your vessel, yourself, and your passengers at sea. Delve into boat safety essentials and the importance of securing proper insurance coverage for smooth sailing and peace of mind on every voyage.

Grilling Safely

May 24, 2023

Every year, millions of Americans enjoy outdoor barbecues, but accidents can occur. According to the U.S. Fire Administration, approximately 5,700 grill fires occur annually, causing $37 million in damage, along with 100 injuries and 10 deaths, mostly due to malfunctioning gas grills, while thousands suffer burns requiring emergency room visits.

Do You Really Know What You Have in Your House? Tips for Creating a Home Inventory

May 12, 2023

Creating an inventory of all your possessions may feel daunting amidst our hectic schedules and abundance of belongings. However, this step ensures adequate insurance coverage for your personal property and expedites claim settlement, increasing the likelihood of reimbursement in case of loss.

Hurricane Season Insurance Checklist

May 3, 2023

Do you have a checklist for reviewing your insurance coverage? With hurricane season underway, it's an opportune moment to ensure your homeowners or renters insurance is up to date. The Insurance Information Institute offers a convenient list to guarantee you're adequately prepared for any potential storms.

Mitigate your Sewer Back-Up Loss Exposure

April 17, 2023

Homeowners can mitigate sewer backup risks by avoiding disposing of grease, paper towels, diapers, or other refuse down toilets or sinks, as these can cause pipe clogs. Additionally, it's crucial to hire a licensed plumber to remove any connections between flood control systems and the sewer main, while considering installing a backflow-prevention device to prevent sewage from flowing back into the home, thereby safeguarding against potential water and sewage backup losses.

Protect Yourself Before, During & After a Blizzard

January 10, 2023

As resilient as Northeasterners are in the face of snow, preparing for a blizzard requires more than just resolve—it demands readiness. Stay informed, stock up on essentials, and ensure your home is equipped with heating fuel and emergency supplies, because when it comes to blizzards, proactive preparation is key to weathering the storm

Flood Insurance Issues for Home Sellers and Buyers

Flood Insurance Issues for Home Buyers & Sellers

April 11, 2022

For those selling or buying homes, it's crucial to note the updates to the NFIP and revised flood insurance rates starting April 1, 2015. These changes affect property owners or buyers in flood zones or areas newly designated as Special Flood Hazard Areas due to updated flood maps.

How to Prevent Ice Dams

January 20, 2022

Prepare yourself for winter's worst nightmare: ice dams. While prevention is key, having a plan in place is crucial for dealing with these roofing woes.

Prevent Flooding from Snow Melt

January 11, 2022

Snow has a high water content, posing flood risks if not managed properly. Implementing preventive measures can effectively mitigate potential flood issues caused by snow accumulation.

Is Your House Properly Winter-Proofed? Good Maintenance Can Prevent Damage to Your Home

November 18, 2021

Prepare for winter by ensuring your insurance coverage is adequate for potential damages caused by snow, ice, and cold weather. Take preventive measures such as cleaning gutters, insulating pipes, and servicing heating systems to minimize risks and protect your property.

Take the Scream Out of Halloween by Having the Right Type and Amount of Insurance Coverage

October 30, 2021

Ensure a spook-free Halloween by taking reasonable precautions to protect your property and visitors, suggests the Insurance Information Institute (I.I.I.). From well-lit walkways to raised liability limits, these measures not only keep the festive spirit alive but also provide financial security against potential mishaps.

Prepare Your Home for Old Man Winter

October 14, 2020

Prepare your home for winter by scheduling chimney and furnace inspections to prevent fire hazards. Additionally, ensure your plumbing system is well-maintained to avoid burst pipes, and address any roofing issues before the snowfall to prevent costly damages that may exceed your insurance deductible.

Boat Insurance – Make Sure You’re Covered on the Water

May 18, 2020

Boat insurance is essential for protecting yourself and your loved ones, especially with unregistered boaters. While smaller watercraft may get limited coverage under homeowner policies, larger boats need separate, comprehensive insurance for adequate protection. Discuss coverage options with your agent to avoid gaps in protection.

5 Tips for Disaster-Free Festivities

December 20, 2019

As the holiday season approaches, the Insurance Information Institute urges prioritizing family, friends, and festivities while remaining vigilant against potential hazards like fire, theft, accidents, and other mishaps. By following five key safety tips, including fire prevention measures, identity protection, home security strategies, responsible party hosting, and safe driving practices—especially in winter conditions—we can ensure a joyful and secure celebration for all.

What is Oil Spill Clean-Up Coverage? Why You Should Have It

Why You Should Have Oil Spill Clean-Up Coverage

November 12, 2019

Ensure your home is protected from potential oil spills with an "Escaped Liquid Fuel Endorsement," providing coverage for fuel contamination to your property and beyond. Don't risk costly out-of-pocket expenses—contact Murphy Insurance to discuss securing this essential coverage for your peace of mind.

Carbon Monoxide Detectors…It’s the Law!

November 1, 2019

In 2006, Massachusetts enacted "Nicole's Law" after 7-year-old Nicole Garofalo's tragic death from carbon monoxide poisoning. Despite its importance, many homes still lack mandated CO detectors, posing risks. Compliance remains low despite legal requirements for detectors in homes with fossil-fuel appliances or enclosed parking.

Social Host Liability: Serving Alcohol at a Party? Be a Responsible Host

July 2, 2019

Social host liability laws, often referred to as "Dram Shop Liability," are present in 43 states and offer recourse for injured parties, such as victims of drunk driving incidents, to sue those who served alcohol. Understanding these laws and taking precautions can help hosts mitigate their liability risks and ensure a safer environment for all guests.

How To Protect Your Home From Water Damage

November 9, 2018

Various insurance policies cover different types of water damage, with homeowners and renters insurance typically including protection for burst pipes, wind-driven rain, and damage from roof ice dams. While standard policies may cover top-down water sources like rainfall, additional coverage such as sewer backup riders may be necessary for certain situations.

Understanding Your Insurance Deductibles

October 1, 2018

In the event of a home disaster or car accident, the deductible represents the amount you're responsible for covering and is deducted from your claim payment. Understanding how deductibles function can help avoid unexpected expenses and lead to savings.

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How Often Should Jewelry or Other Scheduled Valuable Appraisals be Updated?

June 28, 2018

For high-value items like jewelry, antiques, and fine art separately covered on your home policy, providing appraisals or receipts establishes insurance limits. While initial valuations may seem sufficient, it's essential to periodically update appraisals due to potential shifts in values over time.

Settling Insurance Claims After a Disaster

March 5, 2018

After a disaster, settling insurance claims can be daunting, but taking quick, informed steps can make all the difference. From contacting your agent to documenting damage and making temporary repairs, this guide outlines everything you need to know to get started and avoid costly pitfalls.

Thanks and Please Be Safe In the Kitchen & On the Road

November 20, 2017

During this season of gratitude, we extend our heartfelt appreciation to everyone who has contributed to our continued success. We're especially grateful to our customers for entrusting Murphy Insurance Agency with the responsibility of serving you, and we remain dedicated to safeguarding your family, business, and valued possessions.

Equifax Breach – Freezing Your Credit May Impact Your Insurance

October 27, 2017

The ongoing coverage of the substantial Equifax data breach highlights its significance. With over 143 million American consumers potentially affected, if you possess a credit report, you may be among those whose sensitive personal information was compromised.

In Case of a Flood

August 9, 2017

In the event of a flood, it is critical to protect yourself, your family, and your property. To do so, there are many preventative and protective measures you can take.

6 Tips to Mitigate Potential Water Damage

July 7, 2017

Amidst nationwide weather turmoil and escalating water damage claims due to torrential rains and flooding, coupled with mechanical breakdowns, protecting your home becomes paramount. Explore essential measures to fortify your home against these impending disasters.

Lawnmower Safety

June 9, 2017

Annually, about 75,000 individuals sustain injuries from lawnmowers necessitating emergency room care, with the majority attributed to human error rather than mechanical malfunction.

NFPA Encourages Prompt Disposal of Christmas Trees and Safe Removal of Lights

January 4, 2017

If you're hesitating to remove your Christmas tree, consider this: Nearly 40% of U.S. home fires involving Christmas trees happen in January. The NFPA urges prompt removal of trees after the holiday season to prevent fire hazards.

Cover Personal Injury Loss Exposures

July 13, 2016

Homeowners policies typically exclude personal injury claims like defamation unless a personal injury endorsement is attached. Manage these risks by monitoring social media activity, educating family members on online conduct, and considering additional coverage options like personal umbrella policies for comprehensive protection.

Be Lighting Safe...Include a Lightning Protection System in your Building or Remodeling Plans

Be Lightning Safe…Include a Lightning Protection System in your Building or Remodeling Plans

June 23, 2016

Installing a lightning protection system is a valuable investment when constructing, renovating, or repairing homes. Homeowners insurance typically covers lightning-related damages, while some policies extend coverage to power surge damages resulting from lightning strikes.

2016 Hurricane Season is Here, Be Prepared

June 2, 2016

The 2016 hurricane season begins June 1, with NOAA predicting 4 to 8 hurricanes. Prepare by creating a disaster kit and reviewing your insurance—standard policies cover wind damage, but flood coverage requires a separate policy. Strengthen your home by trimming trees and securing windows, and consider buying a generator. Contact your agent to ensure your coverage is sufficient before the storm season.

Mitigate Rental Property Coverage Gaps

June 2, 2016

Homeowners can rent property to tenants regularly, and it's crucial for them to take protective measures for their rental investments. Here are some recommendations and tips for those who continuously rent out residential property.

Dog Bites Accounted for More than 1/3 of All Homeowner Liability Payouts Last Year

May 20, 2016

In 2015, dog bites and related injuries comprised over a third of all liability claim payouts in homeowners insurance. Despite a 7.2 percent decrease in nationwide dog bite claims, the average cost per claim surged by 16 percent.

Home Insurance Checklist…Getting the Best Value

March 24, 2016

To ensure excellent home insurance coverage, prioritize value over price. Understanding the essential components of a comprehensive insurance plan for your home, valuables, and liability is crucial whether you're a new homeowner or have owned your home for some time.

Be Aware of Uber and Airbnb Insurance Gaps

February 19, 2016

Earning from services like driving for Uber or renting out your home on Airbnb can be appealing, but standard personal auto and home insurance policies do not provide coverage for these activities, potentially leaving you exposed to significant gaps in coverage in the event of an accident. It's essential to explore specialized insurance options tailored to these ventures to ensure adequate protection for your assets and liabilities.

Managing Insurance Costs…Understanding Deductibles, Frequency and Severity

February 15, 2016

Effectively managing insurance costs extends beyond coverage limits, options, and premiums; it includes evaluating the deductibles you're comfortable paying out of pocket.

Fending Off Home Burglars

January 22, 2016

In America, a home burglary happens every 13 seconds, emphasizing the importance of taking preventive measures. Homeowners can significantly lower their risk of falling victim to this crime by implementing various security measures.

Get Proper Protection for your Home Business

January 12, 2016

With the accessibility of affordable technology, home-based businesses are on the rise. However, operating a business from home alters the risk factors and characteristics of your residence in the eyes of your homeowners insurance provider.

Bump Up that Deductible!

November 5, 2015

Insurance consumers often seek ways to cut costs on personal lines insurance, but not all approaches are prudent. Requests for reductions in dwelling or liability limits on homeowners or auto insurance policies may seem tempting, but they often carry significant risks, particularly in liability situations such as auto accidents or injuries on your property, where substantial losses could occur if a judgment goes against you.

Check Your Sump Pump

April 13, 2015

Regular maintenance checks are crucial to ensure your sump pump functions properly, preventing damage from excess ground or rainwater and keeping your home dry. Testing the pump annually, preferably in late winter or early spring before the onset of heavy spring rains, can significantly reduce the risk of failure during critical moments.

10 Things You Should Know About Insurance

March 25, 2015

There are many things you might not know about your current insurance policies for your home, family, cars, and business. It is important to understand what is and isn't covered.

Tips for Protecting Property in Winter Weather

February 9, 2015

With snowfall persisting this week and several more weeks of winter remaining, property owners are diligently clearing driveways, parking lots, and sidewalks. As snow accumulates, it's crucial to monitor roofs and mitigate risks of damage from ice dams and excessive snow load weight while staying safe from a hazardous situation.

Snow Load Alert…Protect Your Roof and Building

January 26, 2015

Property owners must manage snow accumulation on roofs during winter storms to prevent hazards. From clearing snow from vents to watching for structural weaknesses, taking proactive steps can safeguard against damage and potential accidents.

Smother Residential Fire Losses

December 14, 2014

Fire is the primary cause of property loss annually in the U.S., with nearly 500,000 structure fires reported, amounting to around $10 billion in property damage. This peril claims thousands of American lives yearly and inflicts over 15,000 injuries.

Flood Insurance Bill Signed Into Law in 2014

July 24, 2014

Governor Deval Patrick has swiftly approved House Bill No. H-3783, known as "An Act Relative to Flood Insurance" (Chapter 177 of the Acts of 2014). This new law, effective immediately, bars creditors from mandating certain types of flood insurance for residential property purchasers or owners.

Get Your Coverage Updated Well Before a Storm

July 3, 2014

Amid Hurricane Arthur affecting the Atlantic coast, New England residents can find solace in forecasts suggesting the storm will remain offshore, potentially limiting damage to Fourth of July festivities. However, it's crucial to remember to update insurance coverage well before an approaching hurricane, as insurance companies typically restrict changes to property coverage limits when a storm is imminent.

6 Tips for Burglar-Proofing Your Home

April 11, 2014

Reduce the risk of home burglary with these effective prevention strategies. From installing motion-sensing lights to investing in a monitored burglar alarm system, taking proactive measures can significantly deter intruders and safeguard your property and peace of mind.

Thank You & Be Safe Over Thanksgiving

November 27, 2013

During this season of gratitude, we express our heartfelt thanks to all who have supported our success, especially our loyal customers. We deeply appreciate your trust in Murphy Insurance Agency as we strive to safeguard you, your loved ones, and your business endeavors.

Safety Tips: Prevent Kitchen Fires This Thanksgiving

November 25, 2013

Thanksgiving brings joy but also heightened kitchen risks. The U.S. Consumer Product Safety Commission warns that cooking fires triple on Thanksgiving, emphasizing the need for vigilance and safety measures like staying present while cooking and keeping fire extinguishers handy.

Cook Safely This Thanksgiving to Prevent Kitchen Fires

November 25, 2013

Thanksgiving is the peak day for home cooking fires—more than triple the daily average. Stay safe by never leaving cooking unattended, keeping children away from hot surfaces, and having smoke alarms and a fire escape plan in place.

Hurricane Sandy One Year Later

October 29, 2013

Hurricane Sandy struck the East Coast on October 29, 2012, causing widespread devastation. A year later, coastal communities were still grappling with the aftermath, with many families and businesses facing ongoing challenges in rebuilding and financial recovery.

Flood Insurance Reform may Significantly Increase Premiums for Some Property Owners

September 23, 2013

As of October 1, 2013, changes to the National Flood Insurance Program (NFIP) under the Biggert-Waters Flood Insurance Reform Act are being phased in. These reforms aim to make the program more financially stable by phasing out subsidized rates and aligning premiums with actual flood risk. Not all policyholders will be affected immediately, but rate increases—especially on secondary homes, businesses, and repeatedly flooded properties—are underway. Be informed and prepared if you own property in a flood-prone area.

Keep Your Home in Tip-Top Condition

June 23, 2013

In recent years, homeowners have grappled with soaring insurance costs and challenges in obtaining coverage, especially those with multiple claims. Yet, by implementing preventive measures, homeowners can mitigate future risks, making insurance more accessible and affordable.

Hurricane Season is Here. Be prepared.

June 20, 2013

With the threat of an active hurricane season looming, now is the time to review your insurance coverage and prepare your property. Don’t wait until a storm is imminent—protect your home or business from wind and flood damage before it’s too late.

Lessons From Sandy…Get Flood Protection

March 26, 2013

Sandy's impact was devastating, with flood waters inflicting the most severe damage. Standard insurance policies typically don't cover flood-related losses, necessitating a separate flood insurance policy. Despite the risk, many opt out due to cost concerns or underestimation of the potential threat.

Keep Your Home in Tip-top Condition

March 7, 2013

Maintaining your home properly can help prevent future insurance claims and lower your premiums. Simple actions like replacing worn-out washing machine hoses, repairing water leaks promptly, and installing automatic water shut-off systems can make a big difference. Regular roof inspections and choosing durable materials can also protect your home and reduce long-term risks.

Insurance Claim Tips For After The Storm

October 29, 2012

After Hurricane Sandy passes, it'll be crucial to assess the damage. To streamline the claims process for property or vehicle damage caused by the storm, consider implementing these helpful tips.

Remembering Irene…Lessons Learned

September 21, 2012

This time last year, the Northeast endured the aftermath of Hurricane Irene and an unexpected October snowstorm wreaking havoc in Massachusetts, resulting in extensive damage including downed trees and prolonged power outages.

Hurricane Season Highlights Need for Flood Insurance

August 21, 2012

As hurricane season reaches its peak, many homeowners still lack flood insurance—leaving them vulnerable to costly storm surges and flood damage. Since standard policies don’t cover flooding, now is the time to secure separate flood insurance before the next storm hits.

Hurricane Emergency Storm Planning

June 25, 2012

Running from June through November, the Atlantic hurricane season is expected to bring 9 to 15 named storms, according to NOAA. Even if you're not on the coast, high winds and flooding can cause serious damage inland. Now is the time to review your emergency plans and confirm you have the right insurance coverage—including flood and business interruption protection—before a storm is on the radar.

Documenting Antiques & Fine Arts For Insurance

Documenting Antiques And Fine Art For Insurance

May 7, 2012

Maintaining a home inventory is crucial for safeguarding your belongings, ensuring you're prepared for unexpected events requiring insurance claims. Particularly for antiques or fine art owners, detailed documentation is essential to guarantee compensation.

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Consigning Property For Auction: Part 4 – Auction Fees

May 2, 2012

Many individuals have inquiries about auction fees, which typically include buyer and seller fees, adhering to industry standards. These fees cover the auction house's efforts to ensure your property reaches an optimal buying audience, providing valuable services for both parties involved.

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Consigning Property For Auction: Part 3 – The Auction Schedule

April 25, 2012

Wondering when to reach out to an auction house to sell your property? You needn't wait for an upcoming auction announcement; most major houses plan schedules six months to nearly a year ahead, making it easy to schedule your property for sale in an upcoming auction.

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Consigning Property For Auction: Part 2 – Maximizing Your Antiques Appraisal

April 17, 2012

Once you've selected an auction house, arrange for a thorough evaluation of your property by an expert appraiser, whether online, in person, or at your home. This step is crucial for maximizing the value of your antiques appraisal process.

Consigning Property for Auction: Part 1 – Are You Ready for an Antiques Appraisal?

April 11, 2012

Murphy Insurance is proud to partner with Skinner Inc. as co-presenting sponsor of The Wayside Inn Antiques Show. Leading up to the event on May 11-13, we're delighted to feature insights from Karen Keane on the process of consigning property for auction.

Trick or Treat…Be Safe!

October 31, 2011

Safety remains paramount for trick-or-treaters and motorists as Halloween festivities commence, even amidst unexpected weather surprises. Drive cautiously, illuminate walkways, and ensure decorations pose no hazards while also practicing vigilance against potential storm-related dangers. Wishing everyone a joyful and secure Halloween celebration!

Back-to-School College Student Insurance Issues

August 18, 2011

Heading into back-to-school season, the question arises: Does your homeowners policy cover your child’s belongings at college? It's not always straightforward, as residency status and living arrangements can complicate matters, emphasizing the need for clarity and communication with your insurance agent.

Five Insurance Lessons from ‘The Town’

August 18, 2011

Watching "The Town" might not immediately bring insurance to mind, but amidst the action-packed scenes, there are valuable lessons to learn. From ensuring higher Uninsured and Underinsured limits on your car insurance to the importance of timely life insurance, the movie underscores the need for comprehensive protection in the face of unexpected catastrophes.

Avoid Ice Dams & Roof Collapse from Snow

February 22, 2011

Heavy snow accumulation on your roof can lead to ice dams or even roof collapse. Regularly remove snow, especially after large storms, using the right tools to avoid damage. For flat roofs, consider professional help due to safety risks. Additionally, ensure gutters are clear to help melted snow drain efficiently.

Massachusetts Snow Removal Law

December 22, 2010

A recent court ruling has changed snow removal laws in Massachusetts, significantly increasing the liability risk for property owners. Now, failing to promptly clear snow or ice—regardless of how it got there—can lead to costly lawsuits if someone gets injured.

Chapter 453 Acts of 2008: Homeowner Oil Heating System Upgrade and Insurance Law

March 9, 2010

Starting July 1, 2010, Massachusetts homeowners using oil for heating must upgrade their systems to prevent leaks. Insurance companies are now mandated to offer coverage for such incidents. Visit the Mass DEP website for detailed upgrade requirements, and contact a heating professional to assess your system's needs.