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The Murphy Insurance Blog

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News, updates and useful tips about insurance products and the insurance industry. We also provide insights on community events, local news and information that affect your everyday life. Enjoy!

insurance when living together

If you choose to cohabitate, take care to obtain the right coverage for your situation. The general overview below highlights key concerns...

business interruption insurance

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.

There are four events that should trigger a review of your policy: 1) When your policy comes up for renewal. 2) When you've made major purchases or improvements to your home. 3) When you've made your home safer. 4) When you've made your home safer.

If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You will need to buy these coverages in addition to the others that may be mandatroy in your state, such as auto liability insurance. The leasing company may also require "gap" insurance.

storm damage

When bad weather causes damage, Home insurance coverage for a storm related losses can depend on the situation as well as on what type of coverage you’ve purchased. Typical homeowner policies (HO3 policy form) include coverage for a variety of causes of loss; however, certain causes of loss may be excluded, which helps to keep policies affordable. Learn more about homeowner insurance and storm protection.

hurricane preparedness

Hurricanes can shatter lives as well as damage property. Being prepared can help you, your family or your business minimize the impact of the storm. The best time to start is before the threat is imminent. Here's what you need to know.

4th of July Safety

The celebration of the birth of our nation on Independence Day often involves fireworks, backyard barbecues, boating, beaches and other outdoor fun. Although gatherings will be smaller and hopefully following social distancing guidelines, there are lots of reasons to celebrate despite the challenges of COVID-19, Whether it's July 4th or any other summer celebration, here are a few tips for keeping safe while you're having fun.

flood

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...

sewer back up and sump pump overflow

You can purchase limited coverage either as part of a package endorsement that increases several coverages on your policy or as a separate “Water Back-up and Sump Discharge or Overflow Endorsement” to your policy...

Fallen Free Insurance Claim

Before the storm it’s about preparation, after the storm it’s about filing claims to recover from damage that couldn’t be prevented...

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