HVAC stands for heating, ventilation, and air conditioning systems that regulate indoor climate and air quality. Proper HVAC maintenance helps prevent system failures and reduces the risk of fire hazards. Murphy Insurance Agency advises homeowners on maintaining HVAC systems to prevent costly repairs and insurance claims.

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How to Reduce Winter Utility Bills

When outside temperatures begin to drop, one of the most costly consequences is the increased energy it takes to maintain a comfortable home temperature. With this in mind, consider these tips to reduce your monthly utility bills in the winter.