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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!

Travel Airplane

Travel insurance is a specific type of insurance that is available to a person who will travel in the near future. It is designed to protect an insured from a wide variety of travel-related losses, including trip cancellation or interruption; emergency medical events; emergency evacuation; lost or delayed baggage, personal effects, passports, and visas; and legal expenses.

protect loved ones life insurance

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.

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.

Blizzard

While those who live in the Northeast are considered a resilient bunch when it comes to enduring snowfall, facing the extreme conditions of a blizzard can prove dangerous to even the most seasoned dweller. And since you can never truly predict what Mother Nature has in store, the best defense against a blizzard is to...

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.

ice dam

Ice dams can be a homeowners worst nightmare. When melting snow freezes at the roof edge causing water to back up under the roofing material, it can cause significant water damage to a home. Consider these tips for prevention.

Halloween and Insurance

Your homeowners or renters policy provides financial protection for a number of disasters, whether they occur on Halloween or any other day of the year.

life insurance loved ones

The COVID pandemic has taken a toll on all of us in different ways. It’s changed daily routines of how we work and socialize, and so many have experienced the loss of family members and friends. As a result, it’s caused many of us to reconsider what matters most in our lives and review our priorities. Taking care of loved ones has certainly shifted to the forefront. One trend we’ve seen in the insurance industry is a significant increase in people inquiring about and purchasing life insurance protection.

home prep for winter

With winter fast approaching, now is the time to properly safeguard your home from the harsh elements of this season. These steps can lessen your chances of a loss to your home due to inclement weather.

antique car insurance

Unique vehicles require special auto coverage. A classic, custom, collectible or antique car requires insurance that reflects your vehicle’s uniqueness and value. If you own—or are thinking of owning—a special set of wheels, find out about the kind of policy you need.