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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!

life insurance loved ones

The COVID pandemic has taken a toll on all of us in different ways. It’s changed daily routines of how we work and socialize, and so many have experienced the loss of family members and friends. As a result, it’s caused many of us to reconsider what matters most in our lives and review our priorities. Taking care of loved ones has certainly shifted to the forefront. One trend we’ve seen in the insurance industry is a significant increase in people inquiring about and purchasing life insurance protection.

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...

Oil Spill Coverage

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.

winter weather home prep tips

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.

insurance for renters

Many renters underestimate how much they are putting at risk by not having this extremely affordable coverage. If you don't have renter's insurance, are you saying "No" before you are really clear on what renters insurance does for you? Renter insurance covers is damage to your personal property and also provides liability coverage.

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...

family life insurance

Maybe it's the natural human aversion to thinking about our mortality combined with various myths about life insurance that results in procrastination and avoidance of this topic. If you're among those who have avoided addressing your life insurance needs, we'd like to encourage you to take action by dispelling some life insurance myths.

insurance discounts

Discounts for having auto & home/condo/renter policies with the same company can be confusing. We're always working to help you maximize your discount opportunities and save money. In the past, a multi-policy discount only applied on a home-type policy. Discounts are available on both home and auto policies, which can mean greater savings. • auto policy discounts with a home range from 8% to 10% • home policy discounts with an auto range from 5% to 20%

storage locker facility

While self-storage units may be a useful way to de-clutter your home, having the right insurance coverage is the best way to financially protect your belongings—no matter where they are. If you are planning to rent a storage unit for your belongings, be sure consider these issues.

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...