Homeowners Insurance is a form of property insurance designed to protect homeowners from financial losses and liabilities associated with owning a home. It typically provides coverage for damage to the home itself, personal belongings, liability for accidents on the property, and additional living expenses if the home becomes uninhabitable due to covered perils.
Here’s why homeowners insurance is important:
In summary, homeowners insurance is essential for protecting one of the most significant investments many people make in their lifetime—their home. By providing coverage for property damage, personal belongings, liability risks, and additional living expenses, homeowners insurance helps homeowners safeguard their financial security and peace of mind.
Don’t hesitate to contact Murphy Insurance at 800 222 8711 or submit an inquiry via our Contact Us form to learn about our Homeowners Insurance.
Maintaining a home inventory is crucial for safeguarding your belongings, ensuring you’re prepared for unexpected events requiring insurance claims. Particularly for antiques or fine art owners, detailed documentation is essential to guarantee compensation.
Many individuals have inquiries about auction fees, which typically include buyer and seller fees, adhering to industry standards. These fees cover the auction house’s efforts to ensure your property reaches an optimal buying audience, providing valuable services for both parties involved.
Wondering when to reach out to an auction house to sell your property? You needn’t wait for an upcoming auction announcement; most major houses plan schedules six months to nearly a year ahead, making it easy to schedule your property for sale in an upcoming auction.
Once you’ve selected an auction house, arrange for a thorough evaluation of your property by an expert appraiser, whether online, in person, or at your home. This step is crucial for maximizing the value of your antiques appraisal process.
Murphy Insurance is proud to partner with Skinner Inc. as co-presenting sponsor of The Wayside Inn Antiques Show. Leading up to the event on May 11-13, we’re delighted to feature insights from Karen Keane on the process of consigning property for auction.
Safety remains paramount for trick-or-treaters and motorists as Halloween festivities commence, even amidst unexpected weather surprises. Drive cautiously, illuminate walkways, and ensure decorations pose no hazards while also practicing vigilance against potential storm-related dangers. Wishing everyone a joyful and secure Halloween celebration!
Heading into back-to-school season, the question arises: Does your homeowners policy cover your child’s belongings at college? It’s not always straightforward, as residency status and living arrangements can complicate matters, emphasizing the need for clarity and communication with your insurance agent.
Watching “The Town” might not immediately bring insurance to mind, but amidst the action-packed scenes, there are valuable lessons to learn. From ensuring higher Uninsured and Underinsured limits on your car insurance to the importance of timely life insurance, the movie underscores the need for comprehensive protection in the face of unexpected catastrophes.
Heavy snow accumulation on your roof can lead to ice dams or even roof collapse. Regularly remove snow, especially after large storms, using the right tools to avoid damage. For flat roofs, consider professional help due to safety risks. Additionally, ensure gutters are clear to help melted snow drain efficiently.
A recent court ruling has changed snow removal laws in Massachusetts, significantly increasing the liability risk for property owners. Now, failing to promptly clear snow or ice—regardless of how it got there—can lead to costly lawsuits if someone gets injured.