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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!

home insurance

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...

Given our busy lives and how much stuff we all have, it can seem like an impossible task to put together an inventory of everything. But, doing so helps you can make sure that you’ve got enough insurance to cover your personal property, and if you experience a loss, you’ll be able to settle a claim quicker and be more likely to get reimbursed for what you have.

Running a business out of your home changes the loss exposures and characteristics of your residence as far as your homeowners insurance company is concerned. Your homeowners policy will cover losses to the property caused by perils such as fire, wind, lightning, and theft. And the liability portion will pay if someone is hurt on your premises. But if you run a home business, any loss associated with that business may be your problem unless you obtain additional protection.

Do you have a sump pump in your basement? If yes, it’s important to perform regular maintenance checks to ensure that it’s working properly to keep your home dry and prevent damage from excess ground or rainwater. Periodic checking that your pump is functioning properly can reduce the chances of a failure at the worst possible moment....

Valentine’s Day is just around the corner. Many of us have given or received a gift of jewelry as a symbol of our love on special days like these. While it doesn’t necessarily make sense to specifically insure every piece of jewelry you own, it’s certainly wise if you have expensive pieces…especially if you wear them frequently. When you “schedule” a special piece of jewelry on your...

US residences were burglarized nearly 1.6 million times in 2012, according to the latest Federal Bureau of Investigation studies. Proper home theft prevention ideas and techniques, however, can reduce the odds of a home burglary. Consider the following loss control techniques...

Whether you're cooking at home this holiday, or traveling near or far, we want you to be safe...

Over a dozen states were impacted by Hurricane Sandy, which caused an estimated $18.75 billion in insured property losses, excluding flood insurance claims covered by the National Flood Insurance Program. When you consider uninsured losses and the ongoing financial impacts, the economic implications from Hurricane Sandy will continue to be felt for many years...

If your property or vehicle sustains damage due to the storm, here are a few tips to help the claims process go more smoothly...

The beginning of the school year is just around the corner. When it comes to students living away from home, it’s also important to note that some home insurance policies have different language that adds age or full-time status limitations...