Gap Insurance
Car owners often assume that if their car is totaled, it will be replaced at the amount they paid, or at least the amount they owe. However, that’s not always the case — learn why and what you can do to protect yourself.
Author Archive for: murphyinsurstg
Entries by Murphy Insurance
Vehicle Storage Tips During Winter
As winter approaches, it’s time to think about safely storing your recreational vehicle to avoid damage from the harsh weather and roads. Utilize the following guidance to properly prepare and store your vehicle this winter.
Quiet Vehicles and Pedestrian Safety
Electric cars continue to make headlines, but anyone who’s had such a vehicle sneak up behind them while on foot knows how quiet they are. These vehicles, along with hybrid cars, run much more quietly than gas-powered cars—posing a serious risk to unaware pedestrians.
Wood-burning Stove Safety
The top source of fires in American homes comes from fuel-burning appliances—such as a wood-burning stove. Consider the following guidance to ensure safe operation of your stove—keeping you, your family and your home protected against the risk of a fire.
How to Reduce Winter Utility Bills
When outside temperatures begin to drop, one of the most costly consequences is the increased energy it takes to maintain a comfortable home temperature. With this in mind, consider these tips to reduce your monthly utility bills in the winter.
Tips for Driving in Extreme Weather
Driving in adverse weather conditions can be downright nerve-wracking. It can also be very dangerous. Being aware of how to modify your driving during heavy rain, snow and fog can help you stay calm and safe during your journey. Consider the following tips when driving in extreme weather.
Ice Dams: A Winter Challenge for Homeowners
Read our blog post, Ice Dams: A Winter Challenge for Homeowners for some great tips on preventing ice dams and what to do in the case of ice dams on your roof. Ice dams are more than just an inconvenience—they can cause significant damage to your home. While prevention is the best strategy, ice dams can still form despite your efforts, so having a response plan is crucial. Ice dams occur when attic air warms to above freezing, causing snow on the roof to melt. As the water runs down the roof and reaches the colder edges, it refreezes, creating an ice dam. These dams block water from draining off the roof, causing it to pool and seep under shingles, into the attic, or along exterior walls.
Does My Insurance Cover Pothole Damage?
Although potholes may be unavoidable, vehicular damage doesn’t have to be. Consider the following guidelines for avoiding pothole-related damage.
Start the Year Right: 10 Business Insurance Tips
The beginning of a new year is the perfect opportunity to reassess your business insurance policies. Here are 10 practical tips to optimize your business insurance and start the year on the right foot.
New Year, New You: Top 10 Personal Insurance Tips
As the new year kicks off, it’s a great time to check in on your personal insurance. Life changes quickly and making sure your coverage keeps up can save you stress down the road. Here are 10 helpful tips to help you feel confident and protected this year.