How often should I review my life insurance needs? | Life Insurance FAQ

Surveys reveals that many Gen Z adults feel overwhelmed by insurance and lack understanding of basic coverage terms, leading to gaps in their protection. However, by working with trusted insurance professionals, they can gain clarity and make informed decisions about essential coverage for their future.

When you’re involved in a vehicle collision and the other driver takes off without exchanging insurance information, this is commonly referred to as a hit-and-run. Review the following guidance to understand what information to collect and who to contact following a hit-and-run incident.

Regular outdoor maintenance not only enhances your home's curb appeal but also prevents costly damage and potential insurance issues. Key tasks include cleaning gutters, inspecting the roof, maintaining landscaping, power washing exteriors, and ensuring outdoor structures like fences and decks are in good condition. Staying proactive with seasonal upkeep helps protect your home, reduce long-term repair costs, and maintain insurance coverage eligibility.

While buying a used vehicle will save you money in purchase price and help you avoid depreciation costs, it is important to do your research before you purchase one. To avoid buying a car with hidden problems, consider these purchase precautions.

In today’s increasingly litigious environment, lawsuits stemming from liability incidents have surged in frequency and severity, leaving many organizations with substantial losses. Fortunately, that’s where commercial umbrella insurance can help.

Car owners often assume that if their car is totaled, it will be replaced at the amount they paid, or at least the amount they owe. However, that’s not always the case — learn why and what you can do to protect yourself.

The top source of fires in American homes comes from fuel-burning appliances—such as a wood-burning stove. Consider the following guidance to ensure safe operation of your stove—keeping you, your family and your home protected against the risk of a fire.

Read our blog post, Ice Dams: A Winter Challenge for Homeowners for some great tips on preventing ice dams and what to do in the case of ice dams on your roof. Ice dams are more than just an inconvenience—they can cause significant damage to your home. While prevention is the best strategy, ice dams can still form despite your efforts, so having a response plan is crucial. Ice dams occur when attic air warms to above freezing, causing snow on the roof to melt. As the water runs down the roof and reaches the colder edges, it refreezes, creating an ice dam. These dams block water from draining off the roof, causing it to pool and seep under shingles, into the attic, or along exterior walls.

The beginning of a new year is the perfect opportunity to reassess your business insurance policies. Here are 10 practical tips to optimize your business insurance and start the year on the right foot.

While it’s easy to get caught up in the fun, taking some simple precautions can prevent mishaps and protect you from unexpected situations. Here are some practical tips for hosting a safe and successful holiday party, with a focus on being prepared.

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.

Thanksgiving is a time to gather with loved ones, share a delicious meal, and reflect on all we’re grateful for.  To help you celebrate safely and ensure that your holiday is filled with joy, not unexpected mishaps. here are some tips to keep in mind.

Every year, the National Sleep Foundation organizes Drowsy Driving Prevention Week to raise awareness about the dangers of driving while fatigued.

With deer mating season in full swing from October through December, drivers face an increased risk of collisions. As deer are more active, especially around dawn and dusk, habitat loss has pushed them closer to roadways. Here’s how defensive driving can help you avoid an accident.

Although most service professionals prioritize taking good care of their clients and providing them with the best possible guidance, mistakes can still happen. Fortunately, that’s where professional liability insurance can help.

An essential part of home, condo & renter coverage often overlooked is personal liability insurance, which provides financial protection if you’re legally responsible for causing bodily injury or property damage to another person, both on and off your property.

Taking a trip and exploring the world is fun, but leaving your home unoccupied has some risks.  Before departing, protect your property from accidents and criminals by considering the following precautions.

Mold not only damages your property, but it can also cause serious health complications after long-term exposure. With this in mind, try these prevention tips to keep mold out of your home.

When preparing for disasters, the significance of comprehensive disaster recovery plans and understanding insurance solutions cannot be overstated. These two pillars serve as crucial safeguards, offering businesses resilience against unforeseen challenges and ensuring continuity in the face of adversity.

Protect your big day with wedding insurance coverage. Whether safeguarding your attire, ensuring vendor reliability, or providing peace of mind against unexpected mishaps, we've got you covered so you can focus on making memories that last a lifetime.

Statistics reveal a stark reality: nearly 20% of the US population reports long-lasting disabilities, with a significant portion experiencing disability during their working years. Securing disability insurance is essential to safeguard against financial vulnerability in such circumstances.

Home insurance coverage varies based on factors like policy type and personal circumstances. Understanding these factors ensures you have adequate coverage tailored to your needs.

In ensuring your home is adequately covered for a disaster, it's vital to avoid being underinsured, especially considering your home's significance as a significant asset. To ensure adequate coverage, asking your insurance professional four key questions is crucial for peace of mind and protection.

A prepared action plan is vital for business continuity during severe storms that cause power outages and flooding. FEMA reports that 40% of businesses fail to reopen after disasters, emphasizing proactive preparation for financial recovery and operational continuity.

Regular insurance reviews are essential as our life circumstances evolve, ensuring our coverage aligns with our needs. Utilize these ten questions during your review to gauge if adjustments or discussions with your insurance professional are necessary.

You've purchased insurance for your auto, home, business, life, etc., ensuring comprehensive coverage. With the premiums settled, you might wonder why you should engage with your insurance representative unless there's a specific concern. However, it's wise to annually review your insurance coverage to understand its nuances and potential updates.

While life insurance is personal, it’s something to discuss with your loved ones. Certainly, use your discretion and judgment, as there may be individuals you feel should not know. If you have an executor, he/she should be aware of your plans, and often, the beneficiary is informed. Your loved ones can’t be protected if they don’t know the protection exists.

Losing a sentimental or expensive piece of jewelry without the means to replace it can be devastating. Unlike typical home, renter, or condo insurance policies, which often have low coverage limits for jewelry, insuring valuable items like engagement rings may require additional coverage to bridge potential gaps in protection.

With growing digital threats, businesses using email, websites, or storing customer data face cyber liability risks. Learn how Cyber Liability insurance can help protect your business from costly breaches, lawsuits, and data loss.

As the chill of winter sets in, space heaters are a convenient way to add warmth in areas that may lack central heating or need an augmented heat source during colder months, but safety should always be a top priority to avoid potential fires. Follow these crucial tips to prevent space heater fires and create a secure and cozy environment.

No one likes to think about the loss of a loved one or their own death, but if you want to avoid having your family struggle with financial and legal issues, there are certain planning steps you need to take. Sometimes the reason people don't take action is because they don't have a trusted resource to turn to. Our Financial Insurance team is glad to answer questions and offer guidance. We can even refer you to other trusted advisors if needed.

With the new year, lots of us make "new year resolutions".  A resolution is defined as "a firm decision to do or not to do something."  So, it maybe a new habit such as exercising more, changing eating habits, quitting smoking or changing a routine. Or, it could be checking something off your "bucket list" or taking care of a long put off task or project. Your New Year's resolution should be making sure you are properly insured.

If your business needs commercial auto insurance whether it’s for a single vehicle or a whole fleet, you will want commercial insurance that is both affordable as well as provides proper protection. Here are a several tips for buying commercial auto insurance that will help you manage costs but at the same time ensure that you’re properly protected.

During the holidays, Christmas trees stand as central pieces of festive decoration, sourced through cutting, roadside purchases, or artificial alternatives. Yet, their beauty doesn't negate the fire risks they pose, emphasizing the need for safety precautions to ensure a joyful and accident-free celebration.

As Thanksgiving weekend approaches, many embark on journeys, making it one of the busiest travel periods of the year. Whether driving to see loved ones or exploring new destinations, exercising extra caution on the road is paramount during this holiday season. By adhering to safety guidelines not only during Thanksgiving but also year-round, we can all contribute to safer travels for ourselves and fellow road users.

For those involved in snow plowing, whether as a primary business or side venture, it's crucial to ensure adequate liability coverage, especially for completed operations, alongside comprehensive auto insurance. Recent amendments to Massachusetts laws in 2010 have heightened liability risks for property owners and snow plow contractors, underscoring the necessity of having appropriate protection measures in place.

When adjusting the clocks for Daylight Saving Time changes, remember to ensure your smoke alarms and carbon monoxide detectors are functioning correctly, as advised by fire safety officials.

Prepare for New England's unpredictable winters to ensure smooth and safe business operations. Taking steps to address common winter-related property damage can mitigate risks and keep your business running seamlessly throughout the season.

When purchasing or leasing a new vehicle, it immediately depreciates in value once driven off the lot, a factor covered by standard auto insurance policies. With minimal down payments on financed purchases, the loan amount may surpass the vehicle's market worth in the initial years of ownership.

Distinguishing between an employee and an independent contractor can be complex and costly if mistaken. MADUA has issued guidance, outlining the 3-Prong ‘A-B-C test’ to help clarify independent contractor requirements.

As winter approaches, it's essential to take proactive steps to safeguard your home against potential ice, snow, and wind damage. Remember, starting the winterization process when the leaves change, not when snowfall begins, can significantly mitigate risks and ensure a safer, warmer, and more cost-effective living environment.

As urban expansion encroaches on rural habitats, deer-car collisions have surged, totaling over half a million annually, with a substantial number resulting in fatalities. Particularly during the migration and mating season from October to December, deer activity spikes, tripling the risk of auto accidents involving deer, as noted by statistics from the Highway Loss Data Institute (HLDI).

Amid peak disaster season, a recent national survey unveils that numerous homeowners are underinsured, lack comprehension of their policies, and have insufficient savings to sustain their households during emergencies.

Hurricanes pose significant threats to both your family and your home's safety. Prioritize learning how to secure your surroundings and safeguard your loved ones and property when facing an impending hurricane, ensuring comprehensive protection during these dangerous storms.

As the new school year commences, college students are returning to campus and making new living arrangements, including potentially bringing a car to school. Amidst the preparation, it's crucial not to overlook insurance coverage, as the needs of students may evolve based on various factors, even if they have attended college before.

Successful startups require vision, passion, and appropriate business insurance coverage. While launching a new venture can incur expenses, cutting corners on insurance is not advisable because of its critical role in safeguarding business interests.

Based on your previous encounters with insurance audits, you likely view them as either routine or burdensome. To navigate audits more smoothly and prevent surprises, consider implementing these tips to streamline the process and enhance your business operations.

Cohabitation typically denotes unmarried couples or roommates living together, necessitating suitable coverage for your living arrangement. While this overview outlines key considerations, individual circumstances may vary, so please reach out to us for tailored guidance from our Associates.

Welcoming a new driver into your family can be exciting and nerve-wracking for parents. While safety is paramount, navigating the financial implications—like soaring insurance costs and potential liabilities—requires proactive steps to ease the stress and ensure peace of mind.

Ensure your insurance coverage extends to off-premises locations, safeguarding against theft and damage from perils outlined in your homeowners or renters policy. Whether you're utilizing self-storage units to streamline your living space or for other purposes, adequate insurance coverage remains paramount in financially shielding your belongings wherever they may be stored.

After a severe storm or hurricane, downed trees are a common sight in your vicinity, with home/property insurance usually offering limited coverage, insufficient for the potential damage from a falling tree.

Know the truth about lightning dangers to stay safe in a storm; "When thunder roars, go indoors!" holds true, but many common myths about lightning pose risks. Familiarize yourself with the facts to ensure safety for you and your loved ones during storms.

A comprehensive guide to child safety during travel urges caregivers to prioritize proper car seat installation and awareness of potential hazards like heat stroke and blind zones. For essential resources on selecting and inspecting car seats and tips on navigating long journeys with children, consult the NHTSA's invaluable Child Safety Information hub.

We often encounter the question: "Why are home insurance premiums increasing?" Various factors can contribute to individual policy hikes, yet current market dynamics are driving up prices across the insurance sector.

Every year, millions of Americans enjoy outdoor barbecues, but accidents can occur. According to the U.S. Fire Administration, approximately 5,700 grill fires occur annually, causing $37 million in damage, along with 100 injuries and 10 deaths, mostly due to malfunctioning gas grills, while thousands suffer burns requiring emergency room visits.

Motorcycle rider deaths made up 14% of all motor vehicle crash fatalities in 2018, with 4,985 lives lost despite a 5% decrease from the previous year, mainly occurring during the summer months. Motorists can improve safety by understanding motorcyclists' challenges, such as visibility issues, and practicing habits like proper mirror use and signaling when changing lanes.

In this guest blog post by Tom Ricci from Body and Paint Center of Hudson, readers are provided with essential tips on car care to prevent accidents and extend the life of their vehicles. From regular oil filter changes to tire inflation checks and engine tune-ups, these simple preventive measures not only ensure safer operation but also contribute to better fuel efficiency and environmental sustainability.

Renting a car comes with insurance complexities, impacted by factors like travel location and rental agreements. While your Massachusetts Auto Policy may offer some coverage, understanding rental terms and potential gaps is crucial before hitting the road.

Spring is the perfect time for cleaning out closets, but it’s also an ideal opportunity to review your insurance policies. According to the Insurance Information Institute (I.I.I.), assessing your coverage can ensure you have the right protection as your life and needs evolve.

Distracted driving remains a significant threat on the roads, with distracted driving-related crashes claiming the lives of at least eight individuals daily, according to the National Highway Traffic Safety Administration. As April marks Distracted Driving Awareness Month, take this opportunity to evaluate your driving habits and commit to making responsible choices to ensure the safety of yourself and others on the road.

As resilient as Northeasterners are in the face of snow, preparing for a blizzard requires more than just resolve—it demands readiness. Stay informed, stock up on essentials, and ensure your home is equipped with heating fuel and emergency supplies, because when it comes to blizzards, proactive preparation is key to weathering the storm

Winter driving requires preparation. Pack emergency supplies, check tire pressure, and ensure your battery is ready. Keep your gas tank half full and stay informed on road conditions. Drive slowly, leave extra space, and avoid sudden moves. If stuck, stay in your vehicle and clear the exhaust pipe to prevent carbon monoxide buildup.

Dealing with mail addressed to a deceased loved one can be emotionally challenging and logistically frustrating. Whether you're the Executor of their estate or simply a resident who shared their address, there are steps you can take to minimize the influx of such mail, from registering the deceased on the Deceased Do Not Contact List to requesting mail forwarding or contacting organizations directly to inform them of the death. Remember to handle such mail respectfully, as opening someone else's mail without legal authorization is a federal offense.

Prepare yourself for winter's worst nightmare: ice dams. While prevention is key, having a plan in place is crucial for dealing with these roofing woes.

Ensure a spook-free Halloween by taking reasonable precautions to protect your property and visitors, suggests the Insurance Information Institute (I.I.I.). From well-lit walkways to raised liability limits, these measures not only keep the festive spirit alive but also provide financial security against potential mishaps.

Forecasters predict an above-average 2021 Atlantic hurricane season, with 18 named storms, eight hurricanes, and four major hurricanes expected. Now is the time to review your insurance coverage and prepare your property for potential storm damage—contact Murphy Insurance for guidance.

The RMV will continue offering dedicated Wednesday appointment hours for customers 75+ through March 2021, expanding services to include registration and title transactions.

Prepare your home for winter by scheduling chimney and furnace inspections to prevent fire hazards. Additionally, ensure your plumbing system is well-maintained to avoid burst pipes, and address any roofing issues before the snowfall to prevent costly damages that may exceed your insurance deductible.

COVID-19 has forced businesses to adapt quickly and manage both operations and employee concerns. Explore helpful online resources from the Commonwealth of Massachusetts to stay informed and support your business through the crisis.

For owners of classic, custom, collectible, or antique cars, standard auto insurance may not provide adequate protection. Specialized coverage tailored to the unique value and usage of these vehicles is essential to ensure comprehensive protection against damage or loss.

Insurance companies seek DOI approval for auto premium credits/refunds due to reduced usage during COVID-19. Policyholders await carrier details post-approval. Insurers also offer payment flexibility to aid financially strained individuals; assistance is accessible through the insurance company or Murphy Insurance Agency.

During COVID-19, Murphy Insurance remains open with closed offices. Our staff assists via phone, email, or online, adapting quickly to any mandated measures for seamless service. Reach out directly for prompt assistance and updates on operational changes.

To curb distracted driving and enhance safety, the new law, "An Act Requiring the Hands-Free Use of Mobile Telephones While Driving," prohibits handheld cellphone and electronic device use while driving, effective February 23, 2020. It's essential to prepare and adjust habits.

As Thanksgiving approaches, remember that road safety is paramount during this busy travel period. Take precautions such as checking tire pressure, buckling up, leaving early, obeying speed limits, avoiding distractions, and never driving under the influence to ensure a safe and enjoyable holiday journey.

In 2006, Massachusetts enacted "Nicole's Law" after 7-year-old Nicole Garofalo's tragic death from carbon monoxide poisoning. Despite its importance, many homes still lack mandated CO detectors, posing risks. Compliance remains low despite legal requirements for detectors in homes with fossil-fuel appliances or enclosed parking.

A Business Owner's Policy (BOP) streamlines essential insurance for small businesses, offering property, liability, and business interruption coverage in one convenient package. However, eligibility hinges on factors like business size and revenue, with certain industries needing separate coverage due to unique risks.

Small businesses are significantly likely to face property or liability claims, with burglary and theft ranking as the most common, while reputational harm emerges as the costliest. To mitigate risks, business owners can implement preventive measures tailored to each potential claim scenario, ensuring comprehensive protection.

In 2017, the Honda Civic ranked as the most stolen passenger vehicle, tallying 45,062 thefts across all model years, per the NICB. The majority of these thefts targeted older models lacking modern anti-theft technology.

Various insurance policies cover different types of water damage, with homeowners and renters insurance typically including protection for burst pipes, wind-driven rain, and damage from roof ice dams. While standard policies may cover top-down water sources like rainfall, additional coverage such as sewer backup riders may be necessary for certain situations.

An analysis by The Hartford reveals that four out of 10 small businesses may face property or general liability claims within the next decade, with burglary and theft being the most common. However, the most expensive claim for small businesses involves reputational harm, encompassing issues like libel, slander, and privacy violations.

MAPFRE Insurance was awarded the ValChoice #1 Best Value Award for auto insurance in Massachusetts on May 30, 2018. Scoring 92 out of 100 in ValChoice’s 2016/2017 analysis, MAPFRE stood out for its customer service, claims handling, and overall value. Only one insurer in each state receives this prestigious recognition based on unbiased data from each state’s department of insurance. Murphy Insurance is proud to be an agent for MAPFRE, offering customers access to this top-rated provider known for its outstanding service and value.

From Thursday, March 22, 2018 at 7 p.m. until Monday, March 26, 2018 at 8 a.m., the MA Registry of Motor Vehicles will be closed for a technology upgrade to meet federal security standards. During this period, non-public safety services will be unavailable, and no transactions will be processed.

Celebrating 80 years, Murphy Insurance's longevity speaks volumes about our dedication to customer care and satisfaction. To our existing customers, we extend our heartfelt gratitude for your continued trust and support.

The 2017 Toys for Tots drive at Murphy Insurance is progressing smoothly as the donation collection deadline of December 11th approaches rapidly. For many years, Murphy Insurance has been a dedicated toy collection site in support of the Marines' Toys for Tots program, providing valuable assistance to children and families in need.

During this season of gratitude, we extend our heartfelt appreciation to everyone who has contributed to our continued success. We're especially grateful to our customers for entrusting Murphy Insurance Agency with the responsibility of serving you, and we remain dedicated to safeguarding your family, business, and valued possessions.

Floods, like other natural disasters, can inflict significant damage on properties and vehicles. Unfortunately, flood-damaged vehicles present a tempting opportunity for criminals seeking to defraud unsuspecting consumers.

Amidst nationwide weather turmoil and escalating water damage claims due to torrential rains and flooding, coupled with mechanical breakdowns, protecting your home becomes paramount. Explore essential measures to fortify your home against these impending disasters.

Excitement mounts in Downtown Hudson for the filming of "Who Do You Think Would Win?". Amid logistical adjustments in parking and sidewalk closures, Murphy Insurance assures customers of normal operations, offering assistance via phone or at alternative offices.