Earning from services like driving for Uber or renting out your home on Airbnb can be appealing, but standard personal auto and home insurance policies do not provide coverage for these activities, potentially leaving you exposed to significant gaps in coverage in the event of an accident. It’s essential to explore specialized insurance options tailored to these ventures to ensure adequate protection for your assets and liabilities.
Effectively managing insurance costs extends beyond coverage limits, options, and premiums; it includes evaluating the deductibles you’re comfortable paying out of pocket.
If you haven’t heard it often, we want to express our sincere gratitude for your business. Choosing Murphy Insurance means entrusting us with safeguarding what matters most in your life, whether personal, business, or both, and we are committed to delivering excellent value consistently.
In America, a home burglary happens every 13 seconds, emphasizing the importance of taking preventive measures. Homeowners can significantly lower their risk of falling victim to this crime by implementing various security measures.
With the accessibility of affordable technology, home-based businesses are on the rise. However, operating a business from home alters the risk factors and characteristics of your residence in the eyes of your homeowners insurance provider.
Borrowing or driving a friend’s car is common, yet we often overlook coverage considerations. It’s important to be aware of exclusions and conditions in auto policies, particularly regarding “regular use” and “business use” coverage issues.
The Internet offers immense opportunities for communication and learning, yet it’s vital for children to prioritize safety and precautionary measures. Children and teenagers often underestimate online risks, like the potential for libel or cyberbullying, exemplified by an ongoing lawsuit against thousands of Twitter users for spreading defamatory claims.
Insurance consumers often seek ways to cut costs on personal lines insurance, but not all approaches are prudent. Requests for reductions in dwelling or liability limits on homeowners or auto insurance policies may seem tempting, but they often carry significant risks, particularly in liability situations such as auto accidents or injuries on your property, where substantial losses could occur if a judgment goes against you.
Automobile accidents are a leading cause of death in the United States, especially among children and young adults, as reported by the National Highway Traffic Safety Administration. Many of these fatalities occur on freeways and highways, due to the high speeds involved.