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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!

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...

safe boating

Whether you're a new or experienced boating enthusiast or simply a novice passenger, this boating safety checklist can help you prepare for a safe and and fun day on the water.

Pool safety

pool safety

Whether you have a luxury in-ground pool, or plan to blow up an inflatable kiddie pool, it is important to consider the safety implications. Consider these steps if you own or are considering purchasing a pool or spa.

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.

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.

boat insurance

Not all boaters are responsible and safety conscious, and there are many unregistered boaters on waterways, which makes it even more important that to properly insure your boat, yacht and watercraft to protect you and your loved ones.

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.

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.

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.