Skip to content Accessibility info

Masterpole-Murphy Agency Inc. Blog

All You Ever Wanted to Know About Insurance

How Major Life Events Impact Your Insurance Needs

Life's biggest milestones, like marriage, buying a home, or having children, often bring new financial responsibilities and changes in your insurance needs. To ensure you and your loved ones have the right coverage in...

Read More


Vacation Tips: 5 Things To Do Before Leaving Town

Fall and winter travel season is here, and millions of Americans will be taking vacations to their favorite destinations. From family road trips to the warmer locals to boarding international flights headed for...

Read More


Why Do New and Young Drivers Pay More for Insurance?

Beginning to drive your own vehicle can be both an exciting and expensive time. Purchasing a vehicle is a major expense, and protecting your new ride with insurance coverages that make the most sense for you is an...

Read More


10 Halloween Safety Tips for a Spooky but Peaceful Night

Halloween is just around the corner, and many participants may not realize how frightening this spooky night could really be for their personal safety, property, or bank accounts. It's critical to be aware of potential...

Read More


Choosing the Right Umbrella Insurance Policy: A Guide to Extra Liability Coverage

When it comes to personal insurance, most people are familiar with their auto, homeowners, or renters policies. However, fewer may be aware of umbrella insurance-a type of coverage that goes beyond the limits of your...

Read More


The Ultimate 7 Fall Home Maintenance Tips (A complete guide on what you need to know)

With spring cleaning far behind, and summer fun all but over, it’s time to start fall home maintenance. Fall is the perfect time to perform important maintenance to your home, so you’re not caught in the middle of...

Read More


Does Homeowners Insurance Cover Fallen Trees?

Are fallen trees covered under standard homeowners' insurance policies? - "As a new homeowner, I’m curious about what all is covered under my insurance. I live in a heavily wooded area and sometimes worry about the...

Read More


Does My Teen Driver Need Their Own Auto Insurance Policy? (Here's what you need to know)

Parents have a lot of questions about insuring their teen driver's car. The most common question we receive: Should parents title and insure a teen driver’s car separately from other cars in the household? How will my...

Read More


Essential Safety Gear for Motorcyclists: A Guide to Protection on the Road

Riding a motorcycle offers an unparalleled sense of freedom and excitement, but it also comes with its share of risks. To ensure safety on the road, it's crucial for motorcyclists to invest in proper safety gear. From...

Read More


College Student Car Insurance

You might think you have your act together when it comes to student car insurance. College life is hectic, and money is always short. To lighten the load, you did your homework to get the best possible rate. Or did you?...

Read More


The Importance of a Home Inspection

For many people, buying a home is one of the biggest and most important purchases they make in their lifetime. That being said, a proper home inspection can make the difference between buying a home that you love and...

Read More


How to Make a Home Inventory for Insurance

Do you have the winter blues? Cabin fever? Looking for a way to pass the time? If you’re stuck inside this winter, why not take a few minutes to make a home inventory? If disaster strikes, or your home is burglarized...

Read More


Insurance Considerations for Newlyweds: Merging Policies and Coverage

Starting a new journey together as newlyweds is an exciting time filled with hopes, dreams, and plans for the future. Amidst the whirlwind of changes, it’s crucial not to overlook the practical aspects of merging your...

Read More


What to Do If You're in a Car Accident: Step-by-Step Guide

Despite our best driving education, habits and intentions, the fact of the matter is that car accidents happen, and that even the most experienced driver can find the situation scary and confusing. Here are the seven...

Read More


Avoiding Common Home Insurance Claims During Renovations

Renovating your home can be an exciting journey, transforming your living space into the dream dwelling you've always wanted. However, amidst the excitement, it's crucial to undertake precautions to avoid common...

Read More


HOW TO AVOID A HOUSE FIRE

The thought of all your belongings going up in flames is a frightening one indeed, but every year, that's exactly what happens to hundreds of thousands of Americans. In 2018 alone, there were more than 379,000 house...

Read More


Car Insurance Bundles

Bundles combine different kinds of insurance, like car and home, within one company-giving you a sweet little discount. Our agents at Masterpole Murphy are real know-it-alls when it comes to protection and saving a buck....

Read More


Essential Fire Safety Tips for Your Home

Taking care of fire safety at home is a key part of managing your household. Each year, fires in residential areas cause significant property damage. However, many of these incidents may be prevented with the right...

Read More


Yard Safety

Backyard entertaining has gotten more elaborate in recent years. Fire pits are helping homeowners extend the Central New York backyard season, and today’s playsets involve more than a simple set of swings and a slide....

Read More


A New College Graduate’s Guide to Insurance

Congratulations! Your child (technically, now an adult) just graduated college and is embarking on the transition into real adult life. For new college graduates, it’s an exciting time filled with many “firsts.” They...

Read More


Everything You Need to Know About Pet Insurance But Were Afraid To Ask

Finding the right pet insurance policy is a lot like housebreaking a puppy: It takes time, patience and knowledge. In fact, with terms such as per condition, per year, lifetime coverage, time limited, coverage reset,...

Read More


Why Did My Homeowners Insurance Go Up In 2024?

A few different factors like inflation, labor shortages, and natural disasters have caused home insurance rate increases across the U.S. this year. - If you've been wondering, "Why did my homeowners insurance go up in...

Read More


Help Keep Teen Drivers Safe with Telematics

As parents, the safety of our teenage drivers is paramount. With road accidents constituting a significant risk for young drivers, leveraging technology to enhance their safety isn't just smart; it's essential....

Read More


Why a basic Homeowners policy isn't always enough

Sometimes, a basic homeowner's policy just isn't enough. So as your career advances and your income increases, it's important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

Read More


Why Are Car Insurance Rates Going Up in 2024?

Several factors, like inflation, supply chain issues, and even climate change, have impacted car insurance rates nationwide in recent years. Over the past year alone, car insurance rates have increased by an average of...

Read More


The Essential Guide to Creating a Home Inventory: Why and How

In the aftermath of an unexpected event, such as a fire, theft, or natural disaster, having a comprehensive home inventory can be a lifeline. This detailed list of your possessions not only aids in the homeowner...

Read More


Tips for Towing a Boat Trailer to Reduce Accidents and Insurance Claims

Owning a boat can make weekends and vacations fun and memorable. Follow these tips to help ensure that when you’re towing your boat you’re being as safe as possible to lower the risk of accidents and unwanted insurance...

Read More


Does Car Insurance Cover the Car or the Driver?

Understand when you and your vehicle are covered by your car insurance. Let’s say your car is in the shop and you borrow your friend’s car. Are you covered if you get into an accident? What about if someone borrows your...

Read More


5 Forces Driving Commercial Auto Insurance Costs

Over the past decade, auto insurance rates have increased steadily, well exceeding the rate of inflation over the same period. But what's driving this upward trend? Explore factors that have significantly impacted the...

Read More


A Safety-Lover’s Guide to Protected Online Shopping

Start with these tips as a guide to a safer online shopping experience that protects your identity and finances. With all the convenience it provides, online shopping also poses a great risk if it's not done carefully....

Read More


How to Choose the Right Contractor for Home Improvement Projects and Avoid Liability Claims

If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips....

Read More


Does My Teen Driver Need Their Own Auto Insurance Policy?

Parents have a lot of questions about insuring their teen driver's car. The most common question we receive: Should parents title and insure a teen driver’s car separately from other cars in the household? How will my ...

Read More


Do You Need Rental Car Insurance?

Travel plans usually involve a lot of moving parts: research, booking, packing and, sometimes, renting a car. Many rental car companies will try to sell you on the insurance they offer, and if you don’t have a good...

Read More


What Is Cyber Liability Insurance, And Why Does Your Business Need It?

Cybercrime has been rapidly on the rise and is expected to cost an estimated $10.5 trillion this year. What can you do to protect your business? In addition to cyber safety measures such as security software and cyber...

Read More


Top Home Improvement Projects That Can Increase Your Home Value

When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations...

Read More