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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.

As the chill of winter sets in, space heaters are a convenient way to add warmth in areas that may lack central heating or need an augmented heat source during colder months, but safety should always be a top priority to avoid potential fires. Follow these crucial tips to prevent space heater fires and create a secure and cozy environment.

There are lots of things you can do to reduce the risk of winter related losses such as frozen pipes. However, 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 somewhere in your home. Water expands when frozen, but pipes do not, which can cause a pipe to burst. If you discover you have frozen pipes, act quickly...don't wait for them to burst.

Winter is underway and we’ve already had the first snow fall of the season. 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.

With the new year, lots of us make "new year resolutions".  A resolution is defined as "a firm decision to do or not to do something."  So, it maybe a new habit such as exercising more, changing eating habits, quitting smoking or changing a routine. Or, it could be checking something off your "bucket list" or taking care of a long put off task or project. Your New Year's resolution should be making sure you are properly insured.

Having Life Insurance coverage is important and will give you peace of mind knowing those you hold most dear have a financial safety net in the event of an unexpected tragedy. Speak with an insurance professional about life insurance to discuss options of a policy that fits your budget and your needs….Don’t wait until it’s too late! Reach out to us at Murphy Insurance so that we may give you the information you need to make an informed decision.