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.
Trees can be valuable additions to any property; however, each year, fallen trees and branches cause millions of dollars in property damage. It is crucial to proactively recognize signs a tree may be at risk of falling to help prevent dangerous and costly accidents.
While New England is not typically directly in the hurricane “strike zone” like the Gulf Coast or the Southeast, that doesn’t mean we’re immune to the dangers of hurricanes and tropical storms. With that in mind, it’s important to have a plan as hurricane season approaches and be sure you understand your insurance coverage.
Surveys reveals that many Gen Z adults feel overwhelmed by insurance and lack understanding of basic coverage terms, leading to gaps in their protection. However, by working with trusted insurance professionals, they can gain clarity and make informed decisions about essential coverage for their future.
Murphy Insurance is now the official sponsor of Murphy’s Law—because if anything can go wrong, it probably already has. To mark the occasion, we’re rolling out a tongue-in-cheek lineup of “coverage” for life’s most ridiculous moments, from lost socks to seagull snack theft. While these faux policies are just for fun (for now), our real team is always here with real coverage for life’s unpredictable turns. Happy April Fools Day from Murphy Insurance—when Murphy’s Law strikes, call Murphy Insurance.
Pests can cause structural damage, contaminate food, and pose health risks, making proactive prevention essential since home insurance doesn’t cover pest-related damage. Key prevention tips include proper food storage, maintaining outdoor vegetation, regular home inspections, and keeping living spaces clean to minimize pest attraction. For persistent issues, professional pest control may be necessary, and Murphy Insurance is available to provide guidance on home protection and insurance coverage.
Falls are one of the most common and dangerous accidents that occur at home and on the job—especially on staircases. In order to determine whether there are fall hazards within your home, be sure to ask yourself these key questions.
Regular outdoor maintenance not only enhances your home’s curb appeal but also prevents costly damage and potential insurance issues. Key tasks include cleaning gutters, inspecting the roof, maintaining landscaping, power washing exteriors, and ensuring outdoor structures like fences and decks are in good condition. Staying proactive with seasonal upkeep helps protect your home, reduce long-term repair costs, and maintain insurance coverage eligibility.
It’s important to stay informed when dealing with contractors to reduce the risk of contractor fraud. Use these tips to avoid contractor fraud concerns.
Valentine’s Day approaches, often marked by the exchange of jewelry as a symbol of love. While insuring every piece may not be practical, it’s advisable to consider insurance for expensive items, particularly those worn frequently.
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.