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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!

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.

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.

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.

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?

If you have a heating oil tank in your home, be sure you consider purchasing an “Escaped Liquid Fuel Endorsement” aka Oil Remediation coverage for your policy if you haven’t already done so.  Typically, home insurance policies exclude coverage for fuel contamination to your personal property, groundwater, and a neighbor’s property. unless you have purchased an oil remediation coverage endorsement.

Back in 2006, a Massachusetts law known as "Nicole’s Law" became effective, which requires carbon monoxide detectors be installed and maintained in most residences. While many people know about CO detectors and know they are a “good idea”, many still don't have them, which is a violation of the law...

deer collisions

The risk for deer collisions is 3 times greater during the months of November and December according to the Highway Loss Data Institute (HLDI) statistics. Increased deer activity during their migration and mating season cause a sharp increase in auto accidents involving deer.