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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!

Snow, sleet, ice and below freezing temperatures all have an effect on driving conditions. During winter, safety depends on driver performance in winter hazards, good vehicle maintenance—and common sense. These tips will help you and your car weather the winter.

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The Thanksgiving holiday and weekend are among the busiest travel days of the year and as a result some of the most dangerous for potential accidents. If you're going to be on the roads this holiday, even if it's just travelling a short distance, be extra cautious. It's always good to go over a list of safety tips to prep your vehicle and for road safety.

If you have a heating oil tank in your home, be sure you consider purchasing Oil Remediation coverage for your policy. Typically, home insurance policies exclude coverage for fuel contamination to your personal property, groundwater, and a neighbor’s property, but you can add coverage to your policy, which is a good idea when you consider the costs of clean up.

Join us to help make the holiday happier for families in need this holiday season. Starting November 25, 2019, drop of a toy donation at any Murphy Insurance office. Donations must be received no later than December 10.

Back in 2006, a Massachusetts law known as "Nicole’s Law" became effective, which requires carbon monoxide detectors be installed and maintained in most residences. While many people know about CO detectors and know they are a “good idea”, many still don't have them, which is a violation of the law...

Personal umbrella policies are growing in popularity. In the past, only wealthy individuals and families purchased this coverage. Today, middle-income families also may procure this policy for protection in our society's increasingly litigious climate. As the tendency to sue for damages rises and awards granted by the courts grow, the personal umbrella policy is increasingly seen as an insurance necessity, rather than a luxury. It is especially attractive because of its relatively low cost.

Consider these simple steps to make your home safer, warmer and cheaper to live in. Ice, snow and wind can have devastating consequences on your home; fortunately, there are precautions you can take to avoid winter related damage. Keep in mind, the time to winterize is when the leaves begin to turn and not when the snow begins to fall.

If you have a heating oil tank in your home, be sure you consider purchasing an “Escaped Liquid Fuel Endorsement” aka Oil Remediation coverage for your policy if you haven’t already done so.  Typically, home insurance policies exclude coverage for fuel contamination to your personal property, groundwater, and a neighbor’s property. unless you have purchased an oil remediation coverage endorsement.

With winter comes snow and snow plowing. If you plow snow as part of your business or as a side business, you need to consider liability protection for completed operations in addition to auto insurance. Changes to Massachusetts Laws in 2010 increased the snow removal liability risk for property owners and snow plow contractors, which has made having proper protection increasingly important.

With winter fast approaching, now is the time to properly safeguard your home from the harsh elements of this season. These steps can lessen your chances of a loss to your home due to inclement weather.