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Be aware of Uber and Airbnb insurance gaps

February 19 2016
Making money by driving for Uber or renting out all or part of your home through Airbnb sounds like a great idea. However, personal auto and home insurance policies don't cover these situations...leaving you with a serious coverage gap should an accident occur.

Murphy's Corner...Delivering value for you

February 12 2016
In case you haven’t heard it frequently enough… Thank you for your business. We appreciate you choosing Murphy Insurance as your source for obtaining insurance coverage to protect everything that matters most in your life… personal, business or both.

Fending off home burglars

January 22 2016
The Federal Bureau of Investigation reports that there are over 2 million burglaries per year in the United States. Nearly two-thirds of these burglaries occur in residences. Approximately 30 percent of all burglaries happen through an open or unlocked window or door. A home burglary occurs every 13 seconds in America.

Get proper protection for your home business

January 12 2016
Running a business out of your home changes the loss exposures and characteristics of your residence as far as your homeowners insurance company is concerned. Your homeowners policy will cover losses to the property caused by perils such as fire, wind, lightning, and theft. And the liability portion will pay if someone is hurt on your premises. But if you run a home business, any loss associated with that business may be your problem unless you obtain additional protection.

Are you covered when you borrow someone's car?

December 29 2015
Auto policies have a variety of exclusions and conditions that limit coverage in certain circumstances. “Regular use” and “business use” are two coverage issues that you should understand...

Establish online precautions and rules for kids

November 17 2015
The Internet is a marvelous tool for staying in touch and learning new things, but it's important for kids to stay safe and exercise precautions when using it. In particular, children and teenagers can be unaware of online risks, such as the danger of libeling a third party or cyberbullying.

Bump up that deductible!

November 05 2015
Insurance consumers are constantly looking for ways to save on their personal lines insurance costs. Some of these ways are smart; some, not so much. Learn why increasing your insurance policy deductible can be a smart way to save money while maintaining excellent coverage.

Prepare your home for old man winter

October 20 2015
With winter fast approaching, now is the time to properly safeguard your home from the harsh elements of this season. These steps can lessen your chances of a loss to your home due to inclement weather.

Avoid those cell phones while driving

October 06 2015
The NHTSA reports that an estimated 421,000 people were injured in auto accidents in 2012 involving a distracted driver, a 9 percent increase from the prior year. And 31 percent of American drivers ages 18-64 reported that they had read or sent text messages while driving at least once within the 30 days prior to the survey.