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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!

family

Life Insurance Awareness Month is dedicated to highlighting the significance of life insurance and ensuring that families are adequately protected for the future. Whether you’re revisiting your current policy or considering purchasing coverage for the first time, now is the perfect time to reflect on how life insurance can play a crucial role in securing your financial future.

Back to School for College Students

If you're a college student living in a dorm or apartment, or have a child who's away at school, you may need to update your insurance policy or make coverage changes. Here are some issues to consider...

Calculator

It’s essential to understand how premiums are calculated so you can secure the best deal without sacrificing coverage. Each policy type will have a different premium amount based on the coverage and policyholder. Understanding the factors that affect premiums can help you to manage your premium.

audit

Your past experience with insurance audtis has probably set your opinion of whether they are routine or something that you dislike. if you've found audits challenging, consider following these tips help your business avoid audit surprises and make the process smoother in the future.

college students

The start of the school year is here. College students are moving back-to-school, and many are getting prepared for new living arrangements which may or may not require having a car on campus. With all the preparation, insurance coverage is an issue that shouldn't be over looked. Even if a student has been away to college previously, it doesn't mean that their insurance needs haven't changed depending upon a variety of factors...

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.

lightning safety myths

To stay safe in a storm, know the truth about lightning dangers. “When thunder roars, go indoors!” is a truism that actually holds up. But much of what we think we know about lightning is fiction. Here are some common myths, along with the facts that will keep you and your loved ones safe in a storm.

Insurance Review

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 experience major lifestyle changes.

renting home key

Renting out your home for extra income, while you’re away for an extended period or as a short-term rental, may be a worthwhile endeavor; however, it can also create significant liabilities. Here are some considerations to help minimize your risks.

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...