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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!

flood insurance

If you are selling or buying a home, be aware of changes the National Flood Insurance Program (NFIP) and flood insurance rates that began on April 1, 2015. The changes to rate structures have significant impacts to property owners/buyers especially those with properties currently in a flood zone or properties newly mapped into a Special Flood Hazard Area with the redrawing of flood maps.

checkup review

it's worth talking to your insurance representative periodically to review your coverage even if you don't have a specific issue to take care of. Changes in your life can impact your needs and you may not realize it, and insurance companies often come out with new coverage options that you should consider.

Uninsured driver accidents

Have you ever said to yourself, "If someone else hits me then their insurance will pay." But, what if they don't have insurance or what if they have really low limits that doesn't cover the damage/injury they cause...

decisions

Sometimes decisions you make can impact the pricing and availability of insurance. If you’re contemplating any of these decisions, be sure to speak to your insurance agent first to discuss how these issues can impact your insurance coverage and premium.

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.