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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!

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.

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.

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.

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