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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!

Every year, millions of Americans safely enjoy outdoor barbecues, but accidents do happen. According to the U.S. Fire Administration, about 5,700 grill fires take place on residential property every year. The best way to enjoy a summer of outdoor barbecues is to take steps to prevent accidents, including maintaining your grill and using it safely.

sewer backup coverage

Sewer backup loss exposures are a common coverage gap under a homeowners policy. However, this exposure can typically be covered by the addition of a "Water Back-up and Sump Overflow" endorsement to your policy. In addition to procuring the proper insurance coverage, homeowners should adopt several risk control techniques concerning this loss exposure.

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.

A permanent life policy provides lifelong insurance protection. The policy pays a death benefit if you die tomorrow or if you live to be a hundred. You can lock in premiums when you purchase the policy. By purchasing a permanent policy, the premium will not increase as you age or if your health status changes. There is also a savings element that will grow on a tax-deferred basis and may become substantial over time.

motorcycle insurance

If your motorcycle has been off the road for a while, It’s exciting to get back out there, but before you do, be sure that you also do a check up on your motorcycle insurance in addition to the motorcycle itself. Being properly protected will make your summer fun all the more enjoyable.

Auto Insurance Premium Rebate

Some auto insurance carriers have applied to the Division of Insurance (DOI) to provide some level of premium credit/refund on most personal auto insurance policies due to COVID-19.

Safe driving tips for teens

driving tips

Statistics show that new drivers are at greater risk of being involved in an accident. Safe driving helps avoid accidents and saves lives. It can also save you money. When you have a good driving record, car insurance is more affordable. Here are eight ways to be safer on the road.

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.

auto insurance covid-19

The unexpected changes to our daily lives caused by COVID-19 has created several auto insurance related issues that may impact you depending on your situation.

FAQs

FAQs: 1) Is there any flexibility with payments if I'm out of work due to the crisis and having financial difficulty? 2) I have a Registry of Motor Vehicles issue to address. What do I do?

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