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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!

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.

Halloween Trick or Treat

Trick or Treat! No doubt you'll be hearing that a few times on this spookiest of days. Whether you go all out personally or just enjoy others getting into the spirit, here are 10 tips to keep trick or treating and Halloween fun and safe for everyone.

Halloween

Halloween isn’t just for kids. All you have to do is drive around and see the decorations, and you know that Halloween is right up there with Christmas when it comes to getting into the holiday spirit…pun intended. Insurance may not come to mind as you're planning your costumes or decorating your home, but there are certain risks involved especially if you are...

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.

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.

sewer back up and sump pump overflow

You can purchase limited coverage either as part of a package endorsement that increases several coverages on your policy or as a separate “Water Back-up and Sump Discharge or Overflow Endorsement” to your policy...

Oil Spill Coverage

If you have a heating oil tank in your home, be sure you consider purchasing Oil Remediation coverage for your policy. Typically, home insurance policies exclude coverage for fuel contamination to your personal property, groundwater, and a neighbor’s property, but you can add coverage to your policy, which is a good idea when you consider the costs of clean up.

winter weather home prep tips

Consider these simple steps to make your home safer, warmer and cheaper to live in. Ice, snow and wind can have devastating consequences on your home; fortunately, there are precautions you can take to avoid winter related damage. Keep in mind, the time to winterize is when the leaves begin to turn and not when the snow begins to fall.