Farmers Insurance Timothy L C Murphy Agency Services

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What do you love about your life? You might be grateful for a partner who understands you better than anyone else. Maybe you delight in watching your children embrace their talents. Perhaps a recent promotion is giving you the chance to flex some leadership skills. If all goes according to plan, you’ll pay off the mortgage, put your kids through college and enjoy a long retirement. But you know the unexpected could happen — do you want to help plan for your family’s future if they must go on without you? Life insurance may help lighten their financial burden. We can show you a number of coverage options you can tailor to your priorities and budget. In fact, life insurance plans may be more affordable than you might think.

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Typically, a renters insurance policy can provide coverage for: Your personal property, if your belongings are damaged or stolen. The same kinds of unexpected events — storms, theft, fire — covered by homeowners insurance are generally covered by renters insurance, too. The coverage could apply even if your things are not in your home when they’re damaged or stolen. Your liability. If someone outside your household is hurt (think: a guest trips on a rug) or their property is damaged and you are sued, liability coverage can help pay legal fees and settlements, up to the limit you choose, if you are found at fault. Additional living expenses helps you pay for your rent, food and other additional costs if you have to live elsewhere while your space is repaired. 

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Can help you protect your company against legal claims. It can help you cover costs for personal injury, property damage and advertising that’s false or infringes on a trademark. A liability policy may also cover costs related to errors or misstatements in advertising. Additional liability coverage can cover specific risks, such as product failure or data breaches. Business auto policies can provide higher coverage limits overall than personal policies with a business use endorsement. 

 Whatever you drive, you know you need insurance for your car and assets. And Farmers has coverage options that enable you to get the auto insurance policy you want. Liability insurance coverage pays for bodily injury and property damage to another that results from covered losses you cause. Collision coverage can help repair your vehicle if it’s damaged — or compensate you for its value if it’s a total loss. Comprehensive coverage can help when your car is damaged by something other than a collision. A Farmers personal umbrella policy provides an additional layer of liability limits to protect your assets when a covered loss exceeds the liability limits of your underlying home or auto policy. 

 Having a pet health insurance policy offers you peace of mind so you can focus on caring for your pet, and not the unexpected vet bill.   Repeat after us, “accidents happen!” More than 75% of pets will experience an emergency.   Introducing a new pet to your family? Be protected for the unexpected with pet insurance. 

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Typical home insurance policies cover damage caused by: An aircraft, car, or other vehicle Explosions Falling objects Fire and smoke Lightning strikes Theft Vandalism and malicious mischief Some types of water damage The weight of ice, snow, and sleet Windstorms and hail In most states, standard homeowners insurance policies provide four main types of coverage. Dwelling coverage helps you pay for repairs or rebuilding your home if it’s damaged or destroyed. Personal property coverage helps you pay the costs of fixing or replacing your belongings if they’re damaged. Liability coverage helps you protect your financial assets if you’re at fault for an injury or property damage. Additional living expenses coverage helps you pay for rent, food and other increased costs if you have to live somewhere else while your home is being repaired.