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Murphy Insurance News & Articles

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Liability insurance is for everyone. You don’t have to be a millionaire to be sued like one. The legal fees to defend yourself in a lawsuit can be financially crippling regardless of whether you’re ultimately found responsible or not. If found liable, you can’t predict what a judge or jury will award, but huge settlements are common especially when bodily injury is involved. In a serious accident the personal liability limits of an auto, home or renter ...

You’ve purchased life insurance as part of your estate planning efforts. You deserve to be commended for taking this step, and certainly there is a temptation to file away your policy and forget it.  However, there are a few key things you should do right away after buying life insurance to ensure that in the event of a tragedy, your loved ones will easily be able to receive the money you want them to ...

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 ...

 

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.