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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!

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...

Personal umbrella policies are growing in popularity. In the past, only wealthy individuals and families purchased this coverage. Today, middle-income families also may procure this policy for protection in our society's increasingly litigious climate. As the tendency to sue for damages rises and awards granted by the courts grow, the personal umbrella policy is increasingly seen as an insurance necessity, rather than a luxury. It is especially attractive because of its relatively low cost.

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.

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.

With winter comes snow and snow plowing. If you plow snow as part of your business or as a side business, you need to consider liability protection for completed operations in addition to auto insurance. Changes to Massachusetts Laws in 2010 increased the snow removal liability risk for property owners and snow plow contractors, which has made having proper protection increasingly important.

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.

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 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...

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.

To protect your home and your financial well-being in the event of a major fire or other disaster, you should regularly review and update your insurance. While many home policies adjust automatically to keep pace with increasing construction costs, it’s wise to complete a home replacement cost estimator every 5 years or anytime you make major alterations, additions or upgrades...