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Murphy Insurance2024-12-09 09:23:532024-12-13 14:39:5310 Tips for Disaster-Free HolidaysNavigating the complexities of Homeowners Insurance can be daunting. At Murphy Insurance, we take the time to discuss your unique needs and preferences in detail, ensuring we find the best solution. Our commitment involves partnering with top-rated insurance companies and thoroughly comparing options. We strive to strike the perfect balance between cost and coverage that aligns with your requirements.
Protection For Your House, Your Contents, and Your Liability
Owning a home is probably one of the largest financial investments you’ll make in your life. Beyond safeguarding the physical structure, homeowners insurance encompasses various vital aspects of your life. It shields your possessions, valuables, and the personal liability of household members residing within your premises. Recognizing that each home and individual situation is unique, we take the time to understand your needs. With this knowledge, we help you select the most suitable insurance options.
Property Protection
Home insurance protects you from a variety of standard risks often referred to as “perils” that result in damage or destruction of your home, adjacent structures on your property and personal property. It provides for repair or replacement caused by:
- Fire – including damage from smoke and water used to put out a fire
- Weather – lightning, windstorms, hailstorms, tornadoes
- Electrical surge damage
- Equipment failure – damage from bursting of heating, plumbing or hot water systems
- Explosions
- Glass breakage
- Falling trees and objects
- Collapse of roof or walls
- Damage by vehicles
- Theft or burglary
- Vandalism and malicious mischief
NOTE: Floods are not covered by a homeowners policy. To protect your property, you need a flood insurance policy.
Liability Protection
We live in a litigious society where lawsuits are common. What happens if a neighbor slips and falls on your front walk breaking a leg and hitting his head? Your homeowner’s policy protects you in the event that you’re found responsible for unintentional injuries to another person or damage to property. This coverage applies whether the accident occurred on your property or elsewhere. This protection applies to all family members living in your household. Liability protection covers medical expenses and other compensation awards for injuries, and costs of a liability lawsuit for a covered incident.
Customize Your Protection
Your dwelling and personal property are commonly protected from a variety of standard “causes of loss” up to certain limits by most insurance companies. Depending on your unique needs, you may want to customize your policy with additional special coverage called “endorsements”. Available endorsements vary depending on the insurance company. Our professionals can help you understand your options. Typical special endorsements include:
- Replacement Cost. It would be nearly impossible to rebuild your home for what you paid for it even if it was just a few years ago. Also the value of furniture and other contents depreciates over time. We strongly recommend you consider this additional coverage that provides for repair or replacement of your dwelling and contents at today’s costs based on the underlying coverage limits of your policy.
- Increased Building Code Coverage. If your home is damaged and in addition to being repaired needs to be brought up to current building codes, you’ll have additional protection when you purchase “ordinance or laws” coverage.
- Earthquake. Provides coverage in the event of damage caused by an earthquake which is not covered by standard policies, but do occur in the New England area. learn more >
- Home Business. A standard homeowner’s policy provides a very limited amount of protection for personal property used for business purposes. If you run a business out of your home, a “permitted incidental occupancies” endorsement protects business equipment and also protects you from liability if you meet with clients at your home.
- Scheduled Personal Property Coverage. You can purchase increased protection for special “high valued” personal property that could exceed the limits of your policy. These may include jewelry, watches, furs, stamp and coin collections, fine arts, electronics, sports equipment, etc. request a quote >
- Water Back-up and Sump Discharge or Overflow. These situations are excluded from a standard home policy, you can purchase limited coverage with this endorsement to cover situations of sewer back-up or if your sump pump fails.
Special Discounts
Insurance companies provide discounts in certain qualified situations. Based on the information you share, your trusted professional works to maximize all discounts that you are eligible for. These may include discounts for:
- Auto and Homeowner Package Discounts
- New Construction
- Major Home Revitalization or Renovations
- Central Station Fire & Burglar Alarms
- Loss Free Discount
- Home Safe Course Discount
- Smoke Detectors
- Whole Home Backup Generator
Home Insurance Companies
At Murphy Insurance, we collaborate with top-rated insurance companies to meticulously assess and compare options, striking the perfect balance between cost and coverage that aligns with your specific needs.
Read Our Homeowners Insurance Blog Posts
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Murphy Insurance2024-12-09 09:23:532024-12-13 14:39:5310 Tips for Disaster-Free Holidays
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Murphy Insurance2024-11-28 11:25:452024-12-13 14:22:40Protect Your Property This Winter: Tips to Prevent Costly Damage