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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.

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.

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...

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%

home vacation prep

Whether it's a weekend getaway, or a week or traveling that you are planning, here are some precautions you can take to protect your property from accidents and criminals before departing for vacation,

teen driver

If your teen is approaching driving age, it may be time to start thinking about your plan for adding them to your auto insurance policy. Here are five tips to consider when adding a teen to your auto insurance policy.