Umbrella InsuranceA Personal Umbrella Policy is a type of liability insurance that provides additional coverage beyond the limits of an individual’s primary insurance policies, such as auto insurance and homeowners insurance. The personal umbrella policy serves as an extra layer of protection to help safeguard individuals and their assets against catastrophic losses, liability claims, and lawsuits.

Don’t hesitate to contact Murphy Insurance at 800 222 8711 or submit an inquiry via our Contact Us form to learn about our Umbrella Insurance.

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Hot Tub Safety 101 | Protect Your Home, Guests, and Peace of Mind

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Hot tubs offer relaxation but come with safety and liability risks, including potential injuries, health concerns, and insurance coverage gaps. Key precautions include supervising children, maintaining proper water chemistry, setting safe temperature limits, and enforcing responsible usage to prevent accidents. Homeowners should review their insurance policies and consider additional coverage, such as a personal umbrella policy, to ensure financial protection while enjoying their hot tub safely.

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Spring Cleaning for your Insurance

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As you tackle spring cleaning tasks, consider reviewing your insurance policies for any necessary updates. Ensuring your coverage is current and aligned with your needs offers peace of mind as you welcome the warmer seasons ahead.

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How to Avoid Having an Underinsured Home

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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.

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Protect Yourself from Underinsured and Uninsured Drivers

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When purchasing car insurance, it’s common to prioritize coverage for personal and property damage as well as liability. However, it’s equally important to consider coverage for scenarios where another party is at fault, as their insurance might not adequately cover damages or injuries, leaving you financially vulnerable.

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11 Issues that Can Impact Your Insurance Coverage

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Your decisions, such as adding a pool to your backyard, can influence insurance pricing and availability, so staying informed is key. Some policies might have exclusions, require endorsements, or come with increased premiums due to added risks, which is important to consider when making decisions.

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Why You Need a Personal Umbrella Policy

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Many people overlook the importance of the Personal Umbrella Policy, which offers substantial liability coverage against catastrophic losses. This policy supplements auto and homeowners insurance, providing higher limits and covering additional losses like libel or slander allegations.

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Community & Volunteer-Related Liability Loss Exposures

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Numerous individuals encounter community and volunteer-related loss exposures, particularly if they or a family member hold leadership roles in organizations such as community, charity, religious, not-for-profit, or political groups. Such roles may entail liability for decisions or actions taken within those capacities. Engaging in volunteer work or participating in community events also presents risks like personal injury or property damage liabilities, underscoring the importance of obtaining suitable insurance coverage to mitigate potential legal and financial consequences associated with such activities.

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Cohabiters Have Unique Insurance Coverage Issues

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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.

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Cyclist Protection Tips

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Cycling amidst traffic exposes you to risks beyond physical injury; financial impacts can also occur in accidents. Ensure you and your loved ones have adequate protection in case of unforeseen incidents.

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Take the Scream Out of Halloween by Having the Right Type and Amount of Insurance Coverage

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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.

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