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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!

storage locker facility

While self-storage units may be a useful way to de-clutter your home, having the right insurance coverage is the best way to financially protect your belongings—no matter where they are. If you are planning to rent a storage unit for your belongings, be sure consider these issues.

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...

flood

When you think of flooding, you may think strictly of rivers or bodies of water. Did you know that: •Homeowners are 4 times more likely to sustain a loss from a flood than a fire. •25 percent of all flood insurance claims are filed in low- to moderate-risk areas. Here are some common questions that we get about floods...

mold insurance protection

Home, condo, and dwelling fire insurance provide coverage for mold damage; however, coverage depends on the cause of loss. Standard policies typically provide coverage limited coverage of up to $10,000 for property damage and $50,000 for liability, but consider purchasing expanded coverage of up to $50,000 for property damage and $100,000 for liability.

lightning safety myths

To stay safe in a storm, know the truth about lightning dangers. “When thunder roars, go indoors!” is a truism that actually holds up. But much of what we think we know about lightning is fiction. Here are some common myths, along with the facts that will keep you and your loved ones safe in a storm.

Insurance Review

There are four events that should trigger a review of your policy: 1) When your policy comes up for renewal. 2) When you've made major purchases or improvements to your home. 3) When you've made your home safer. 4) When you experience major lifestyle changes.

4th of July Safety

The celebration of the birth of our nation on Independence Day often involves fireworks, backyard barbecues, boating, beaches, and other outdoor fun. Whether it's July 4th or any other summer celebration, here are a few tips for keeping safe while you're having fun.

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.

home insurance premium increase reasons

Lately, a question that we are frequently asked is… Why are home insurance premiums going up? There are many factors that can cause rising rates on an individual insurance policy, but there are currently a variety of market factors that are causing prices to rise across the insurance industry.