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You Could Be Held Liable If Guests Get Drunk Halloween can be a fun time of trick-or-treating, jack-o'-lanterns and costume parties, but it can also be a deadly time of increased drunk driving and could be especially worrisome this year since the celebration falls on a Saturday. Anyone hosting a Halloween party 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 ...

Halloween can be scary but having the right insurance coverage can take some of the fright out of the night, according to the Insurance Information Institute (I.I.I.). “If you’re worried about Halloween partyers who may cause damage to your home, there’s probably little to fear,” said Michael Barry, vice president, Media Relations, I.I.I. “But do contact your insurance professional with questions or concerns about your homeowners or renters insurance policy.” Your insurance policies provide financial protection for a ...

Every homeowner, renter and college student should have an inventory of their possessions. Just imagine…if you had a fire or burglary, would you be able to remember everything you own and what it cost? Having an inventory can save you time, money and stress if you have to make a claim. get started…a partial inventory is better than none Set a time goal. Setting a deadline helps keep you on track. Break it up into pieces. Don’t overwhelm ...

Your renters insurance guide

What to look for when shopping for renters insurance If you rent a house or apartment and experience a fire or other disaster, your landlord’s insurance will only cover the costs of repairing the building. To financially protect yourself you will need to buy renters or tenants insurance. renters insurance protections Like homeowners insurance, renters insurance includes three key types of financial protection:  Coverage for personal possessions Liability protection Additional living expenses (ALE) The big difference is that ...

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, ...

Prevent flooding from snow melt

Snow can hold a lot of water. To prevent it from becoming a flood problem, you can take several preventative measures: Avoid having snow drain next to your house. Make sure your downspouts carry water several feet from your house to a well-drained area. One foot of snow on a 1,000 sq. ft. roof can produce approximately 2,500 gallons of water.   Don't allow snow to accumulate on the ground next to your house especially if the ...

Use these guidelines to protect your home and your assets with adequate insurance coverage If disaster strikes, you'll want enough homeowners insurance to rebuild the structure of your home, to help replace your belongings, to defray costs if you're unable to live in your home and to protect your financial assets in the event of liability to others. Use these guidelines to help determine the coverage and amounts you need. Determine how much insurance you need ...

Water damage is among the most common reasons for making a property damage claim. Home, condominium, renter insurance and commercial property policies cover a variety of types of property damage caused by water. However, not every instance of water damage is covered by insurance. Damage being covered by a policy can depend on the cause of water damage and the type of policy you have, and whether or not you’ve purchased optional coverages. Water damage causes Causes of water damage can be ...

Winter months often increase the risks of a variety of claim situations. Being proactive can help reduce the chances of having an accident or loss. Cleanup snow and ice promptly to avoid liability. Property owners are liable for injuries that happen due to snow and ice build-up on their property...this includes the public sidewalk in front of your home or business.  Watch for ice dams and take prevention steps. Last year, New England’s severe winter ...

Thanksgiving Day is a fun holiday that many of us look forward to all year. As you plan and prepare for your Thanksgiving feast, be sure to keep safety a focus, too.  With heightened activity in the kitchen and other entertaining going on in your home, you don't want to get distracted and have your holiday go up in smoke.  The National Fire Protection Association (NFPA) says Thanksgiving Day is the leading day for home ...

 

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.