A Renter is someone who occupies a home, apartment, or condo without owning the property. Renters face risks that are often overlooked, including damage to personal belongings, liability for accidents, and unexpected displacement after a loss. Many assume a landlord’s policy provides protection, but it typically does not cover personal property or liability. Murphy Insurance provides guidance to help renters understand their exposures and make informed decisions.

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Carbon Monoxide Safety for Your Home and Your Vehicle

Carbon monoxide is a silent winter danger that can affect anyone, whether you’re at home or sitting in your vehicle during a storm. Heavy snow, blocked vents, and improvised heating sources can cause CO to build up quickly without warning. This guide explains the most important do‑nots, safer alternatives, and key precautions to help protect your household, your passengers, and your neighbors during severe winter weather.