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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, ...

Turkey fryer safety

The National Fire Protection Association (NFPA) discourages the use of outdoor gas-fueled turkey fryers that immerse the turkey in hot oil. These turkey fryers use a substantial quantity of cooking oil at high temperatures, and units currently available for home use pose a significant danger that hot oil will be released at some point during the cooking process. The use of turkey fryers by consumers can lead to devastating burns, other injuries and the ...

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 ...

There's a difference between an insurance company canceling a policy and choosing not to renew it. Learn why your insurance might not be renewed. Auto insurance cancellation Insurance companies cannot cancel a policy that has been in force for more than 60 days except when: You fail to pay the premium You have committed fraud or made serious misrepresentations on your application Your drivers license has been revoked or suspended. Auto insurance non-renewal Either you or your insurance ...

Identity theft insurance

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 ...

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 ...

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. While you take every precaution to be safe, it's possible that something could happen. Sadly in 2011, cycling accidents caused 48,000 injuries and 677 deaths. (NHTSA Traffic Safety Facts)   If you're involved in an accident, the ...

Based on 2014 data, motorcycle deaths occur 27 times more frequently than in other types of vehicles accoreding to the NHTSA. 4,586 motorcyclists were killed in traffic crashes in 2014. Those deaths account for 14 percent of the total highway fatalities that year. This decrease in motorcycle fatalities continues to break a tragic trend over the last 17 years, which saw only one other decline in 2009. Injured motorcyclists also decreased from 93,000 in 2013 ...

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 ...

Spring is here. Before you know it, flowers and lawns will be blooming with beautiful and vivid colors. Springtime is also when boat enthusiasts often start to consider purchasing a sail boat or power boat. Many consumers, however, lack an understanding of the myriad and multi-faceted loss exposures associated with boat ownership. And boat lovers may mistakenly believe that coverage applies under their homeowners policy for these loss exposures. Most homeowners policies, however, only insure ...

 

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.