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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!

insurance when living together

If you choose to cohabitate, take care to obtain the right coverage for your situation. The general overview below highlights key concerns...

leased car

If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You will need to buy these coverages in addition to the others that may be mandatroy in your state, such as auto liability insurance. The leasing company may also require "gap" insurance.

storage locker facility

While self-storage units may be a useful way to de-clutter your home, having the right insurance coverage is the best way to financially protect your belongings—no matter where they are. If you are planning to rent a storage unit for your belongings, be sure consider these issues.

Fallen Free Insurance Claim

Before the storm it’s about preparation, after the storm it’s about filing claims to recover from damage that couldn’t be prevented...

flood

When you think of flooding, you may think strictly of rivers or bodies of water. Did you know that: •Homeowners are 4 times more likely to sustain a loss from a flood than a fire. •25 percent of all flood insurance claims are filed in low- to moderate-risk areas. Here are some common questions that we get about floods...

mold insurance protection

Home, condo, and dwelling fire insurance provide coverage for mold damage; however, coverage depends on the cause of loss. Standard policies typically provide coverage limited coverage of up to $10,000 for property damage and $50,000 for liability, but consider purchasing expanded coverage of up to $50,000 for property damage and $100,000 for liability.

home insurance premium increase reasons

Lately, a question that we are frequently asked is… Why are home insurance premiums going up? There are many factors that can cause rising rates on an individual insurance policy, but there are currently a variety of market factors that are causing prices to rise across the insurance industry.

mulch fire prevention

Property owners, who use mulch in their landscaping, need to be aware of the Massachusetts Mulch Fire-Safety laws. These apply to commercial and residential properties with six or more units, but it's good information for every property owner to follow to prevent fire.

disability insurance

Few people ever anticipate experiencing an illness or accident that might cause them to miss months or years of work, but it can happen. Disability insurance can help you stay on top of your finances.

hurricane check list

With the June start of hurricane season, it's a good time to check your homeowners or renters insurance—and this handy list from the Insurance Information Institute will make it easy to be sure you’re well-prepared in case a storm comes your way.