11 Issues that Can Impact Your Insurance Coverage

February 13, 2024||inPersonal Insurance|homeowners insurance, liability insurance, personal insurance, personal liability, personal umbrella policy

Sometimes, decisions you make can impact the pricing and availability of insurance. We don’t want to rain on anyone’s plans; however, it’s best to be aware so that you can make decisions with complete information.

In some cases, policies may have exclusions that eliminate coverage for certain activities, require an endorsement, not be available from some companies, or have an increased premium due to the additional risk.

11 Things to Discuss with Your Agent Before Taking Action
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If you’re contemplating any of the decisions below, please call us first to discuss how these issues can impact your insurance coverage and premium.

  • Driving for a ride-sharing/transportation service — Uber, Lyft, etc.
  • Buying a luxury vehicle
  • Renting a room in your home on a permanent or occasional basis — Airbnb
  • Buying a dog
  • Buying an exotic pet or farm animal
  • Installing a swimming pool
  • Constructing a treehouse
  • Buying a trampoline
  • Building a skateboard ramp
  • Hiring a nanny
  • Starting a home business — when does a hobby become a business?

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Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.