Use this guide to help you find ways to save on car insurance without sacrificing your protection. The most expensive insurance policy is one with gaps that leave you without coverage when you need it most. Stay focused on value—what you get…for what you pay.

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.

Effectively managing insurance costs goes beyond simply considering coverage limits, coverage options and premium amounts. It also involves considering what costs you are willing to pay out of pocket in the form of deductibles.

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.

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.

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.

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...

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.

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.

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.