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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!

renters/apartment insurance

According to a survey by Apartments.com, 58% of renters don’t purchase tenants insurance...often because they didn’t know that it existed or thought it was expensive...

diamond ring

Insuring jewelry is different from your other personal possessions. Standard home, renter and condo policies generally have a $1,000 specific limit in the event of theft. You may be able to increase that amount to $3,000 with some companies; however, for an expensive piece such as an engagement ring, you probably would have a coverage gap. Find out how you can protect the full value of your high value jewelry and get better coverage for situations such as losing the ring or a stone falling out.

caution: Insurance Pitfalls

When making decisions about your insurance, it can be a balancing act deciding how much coverage to buy. When a claim occurs, few people would regret having spent a little more for the extra coverage that prevents a large out of pocket expenditure. Avoiding these common insurance mistakes will help ensure you have solid protection.

house colonial style.jpg

For many people, their home is their greatest asset, so it is crucial to avoid being underinsured. Ask your insurance professional these 4 key questions.

garaging location

The location where your vehicle is primarily parked overnight is termed the garaging location. If the garaging location changes, your auto insurance policy states that you are required to notify the insurance company immediately. There is no grace period for notification; therefore, it's a good idea to let your agent know in advance when a garaging change will occur. Failing to notify the company of a garaging change can result in an auto insurance claim being denied.

frozen pipes

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. Don't wait for them to burst...act quickly. Here's what to do.

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.

While those who live in the Northeast are considered a resilient bunch when it comes to enduring snowfall, facing the extreme conditions of a blizzard can prove dangerous to even the most seasoned dweller. And since you can never truly predict what Mother Nature has in store, the best defense against a blizzard is to...

winter snow removal

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. In Massachusetts, all property owners (owner occupied and rental) have a legal obligation to keep their property free from snow and ice for the safety of visitors and guests…whether it’s “natural” or “unnatural” accumulations.

snow plowing completed operations

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.