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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!

Many renters underestimate how much they are putting at risk by not having this extremely affordable coverage. If you don't have renter's insurance, are you saying "No" before you are really clear on what renters insurance does for you? Renter insurance covers is damage to your personal property and also provides liability coverage.

Many people face a variety of community-related and volunteer-related loss exposures. For example, if you or a family member holds some type of leadership role in a community, charity, religious, not-for-profit, or political organization, you should consider certain risk management recommendations.

Discounts for having auto & home/condo/renter policies with the same company can be confusing. We're always working to help you maximize your discount opportunities and save money. In the past, a multi-policy discount only applied on a home-type policy. Discounts are available on both home and auto policies, which can mean greater savings. • auto policy discounts with a home range from 8% to 10% • home policy discounts with an auto range from 5% to 20%

If you're a college student living in a dorm or apartment, or have a child who's away at school, you may need to update your insurance policy or make coverage changes. Here are some issues to consider...

Hurricanes can shatter lives as well as damage property. Being prepared can help you, your family or your business minimize the impact of the storm. The best time to start is before the threat is imminent. Here's what you need to know.

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.

Annual reviews can serve as a beneficial development tool to identify, measure, encourage, evaluate, reward and improve employee performance. Documenting employee performance is an important human resources management practice that can help avoid misunderstandings that could lead to legal action...

The start of the school year is here. College students are moving back-to-school, and many are getting prepared for new living arrangements which may or may not require having a car on campus. With all the preparation, insurance coverage is an issue that can be over looked. Even if a student has been away to college previously, it doesn't mean that his/her insurance needs haven't changed depending upon a variety of factors...

When bad weather causes damage, Home insurance coverage for a storm related losses can depend on the situation as well as on what type of coverage you’ve purchased. Typical homeowner policies (HO3 policy form) include coverage for a variety of causes of loss; however, certain causes of loss may be excluded, which helps to keep policies affordable. Learn more about homeowner insurance and storm protection.

If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You will need to buy these coverages in addition to the others that may be mandatroy in your state, such as auto liability insurance. The leasing company may also require "gap" insurance.