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Murphy Insurance News & Articles

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Ordiance or Law Coverage for building code changes

Building code changes can create extra expenses not covered by standard insurance. Be sure you’re protected. Do you know how your home or other property complies with current building codes if you had to rebuild after a fire or other loss? If not, you’re not alone; however, it’s a real concern that you need to consider.  Changes to building ordinances and laws can result in requirements to upgrade your building to new standards during reconstruction, ...

Identity theft insurance

identity theft

Tips for protecting your identity and finances Identity theft is the act of taking someone’s personal information and using it to impersonate a victim, steal from bank accounts, establish phony insurance policies, open unauthorized credit cards or obtain unauthorized bank loans. In some more elaborate schemes, criminals use the stolen personal information to get a job, rent a home or take out a mortgage in the victim’s name. Close to half of identity theft cases are ...

hurricane season preparation

Summer may be winding down, but historically, the worst part of hurricane season is just beginning. Fortunately, there are simple steps that you can take to protect your wallet, your property and even your life, according to the Insurance Information Institute (I.I.I.). September is the most common month for hurricanes making landfall in the U.S., followed by August and October, according to an analysis of weather data ranging from 1851 to 2011 by the National ...

motorcycle share the road

In 2018, motorcycle rider deaths accounted for 14% of all motor vehicle crash deaths. While there was a 5% decrease in motorcycle deaths over the previous year, this was still a loss of 4,985 lives with the greatest frequency of occurrences happening in June, July & August. Based on miles traveled, the number of deaths on motorcycles, in 2017, was nearly 27 times the number in cars according to the National Highway Traffic Safety Administration. Safe riding practices and ...

insurance for cyclists

As a cyclist, you've chosen a sports activity that puts you on the road with a lot of vehicles.  No one needs to tell you that drivers have a lot more physical protection than you do on your bike, and it's the cyclist who is most at risk of injury. In 2018, 857 cyclists died in motor vehicle accidents, which is the deadliest year in almost 30 years. (NHTSA)  While you take every precaution to ...

review your insurance

Spring may be the traditional time of year for cleaning out closets and drawers and organizing attics, but it is also a great time to review of your insurance coverages, according to the Insurance Information Institute (I.I.I.).  “Just as it is important to look at your wardrobe, electronics and other personal items to see what needs to be tossed, fixed, updated or stored for the coming months, everyone should do a thorough evaluation of their ...

Family, Home, Career Status Should Be Reflected In Your Policy Coverage Our insurance needs change as circumstances in our lives change, which is why we recommend doing an annual insurance review. When you’re reviewing your insurance coverage, these ten questions can help you figure out whether you may need to talk to your insurance professional about making a change to your coverage. 1. Have you gotten married or divorced? If you have gotten married, you may qualify ...

diamond ring

Imagine how you’d feel if you looked down and saw the stone missing on your diamond ring? Would it be covered by your homeowners', condo owners' or renters' policy? Unless you have the ring "scheduled" on your policy, the answer is probably NO.  Most home/condo/renter policies provide coverage only in specific situations (named perils) listed on your policy, i.e. fire, theft, etc.  In the the above situation, the stone simply fell out and was accidentally lost, ...

party etiquette

  A good host is a responsible host when it comes to serving alcohol Parties and social gatherings are often a big part of the holiday season. But hosts who serve alcohol should take steps to limit their liquor liability and make sure they have the proper insurance, according to the Insurance Information Institute (I.I.I.). Social host liability, the legal term for the criminal and civil responsibility of a person who furnishes liquor to a guest, can have ...

christmas tree safety

Christmas trees are a beautiful holiday decoration, but they can be dangerous, too. Even if you have an artificial tree, there are hazards to avoid. The last thing anyone wants is to have their Christmas Celebration destroyed by fire. Here are some quick tips and precautions to follow for safety. Check out this video on the difference of a fire involving a dry tree vs. a wet tree.     Picking your tree Choose a tree that has fresh, ...

 

The information provided in these articles are only general descriptions and should not be relied upon as complete, correct or accurate for your specific situation. All coverage informaiton is subject to policy provisions, endorsements and may be  subject to your meeting underwriting qualifications. Murphy Insurance Agency is not engaged in rendering legal, accounting or other noninsurance professional services. Consult an appropriate professional for advice regarding your own situation.