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The Murphy Insurance Blog


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!

Know how your deductibles work to prevent surprise costs—and save money. A deductible is an amount of money that you yourself are responsible for paying toward an insured loss. When a disaster strikes your home or you have a car accident, the amount of the deductible is subtracted, or “deducted,” from your claim payment.

How are you paid? Who gets the check? Do you need to replace items immediately? After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here's what you need to know about claims payments.

When a hurricane threatens to bear down, make sure that you know how to batten down your hatches and protect yourself, your loved ones and your property.

Four out of 10 small businesses are likely to experience a property or general liability claim in the next 10 years. Check out these top 10 business claim situations and then determine if it's time to review and perhaps update your coverage.

Most often car insurance pays for damage to vehicles, but the biggest risk to you financially is injuring people and not having enough Bodily Injury to Others coverage. You can’t predict an accident happening nor can you predict how many people could be injured. How far would bodily injury protection of $50,000 per person/$100,000 max per accident go if you seriously injured four or more people requiring extended hospital stays and extended rehabilitation? The cost to increase this...

Be sure to periodically update your appraisals for high value jewelry, antiques, fine art, collectibles or other valuables that you have scheduled on your homeowner, condominium owner or renters insurance policy, Values can shift over time, and unless you update your appraisals you may be over or under insured.

Murphy Insurance is always working to find ways to make doing business with us easier.  We now offer the ability to sign many of our personal insurance forms electronically using Docusign. Quickly and securely access and sign documents in minutes…not days.

Effective March 26, you need documentation showing U.S. Citizenship or lawful presence in the U.S. as required by federal and state laws in order to renew or get any Massachusetts driver’s license, ID or learner’s permit. This is part of complaince with the federal REAL ID Act.

The MA Registry of Motor Vehicles will be closed from Thursday, March 22 at 7 p.m. until Monday, March 26 at 8 a.m.in order to perform a technology and software upgrade required to comply with federal security standards. All non-public safety services are unavailable, and the RMV will NOT process any transactions.

If you'd like to learn a little bit more about Murphy Insurance Agency, you might enjoy this quick video about us.