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.
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.
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.
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.
Frozen pipes can be an unnoticed danger, often going undetected until the weather begins to thaw. Here are some tips on how avoid frozen pipes and what to do if a pipe freezes.
From mishaps in the kitchen to accidents involving decorations, a little preparation can go a long way in ensuring your holidays stay merry and bright. Here are ten tips to help you enjoy a safe and disaster-free holiday season.
From frozen pipes to roof collapses, the risks of winter property damage are real for both residential and commercial property owners. The good news? Many of these issues can be avoided with proactive steps that save you money and help keep your insurance premiums manageable.