Secure Your Home with the Right Coverage
Protect your home, belongings, and financial future with personalized homeowners insurance tailored to your needs. We compare coverage from 40+ trusted carriers to find you comprehensive protection at a competitive price.
Get a fast, no-obligation quote today and discover how much you could save.
About Murphy Group Insurance
Fire
Liability Claims
Theft
A house fire can cause extensive damage to your home and belongings. A comprehensive homeowners insurance policy can help cover repair or rebuilding costs after a covered fire loss.
Theft
Liability Claims
Theft
Homeowners insurance can help pay to repair or replace your personal belongings if they are stolen or damaged during a covered theft. However, it does not typically provide coverage for losses related to identity theft.
Liability Claims
Liability Claims
Liability Claims
Homeowners insurance includes personal liability coverage, which can help pay for legal expenses, settlements, or judgments if you're found responsible for injuries or property damage to others, subject to your policy limits.
Weather Damage
Liability Claims
Liability Claims
Many homeowners insurance policies cover damage caused by events such as windstorms, hail, lightning, and certain other weather-related incidents. However, floods and earthquakes are typically not included in standard policies and usually require separate coverage.
Homeowners Insurance Rates
What Affects Homeowners Insurance Rates?
When you request a homeowners insurance quote, you'll receive a premium amount—but many insurance companies don't explain how that price is determined. Your rate is based on several factors that insurers use to assess the level of risk associated with insuring your home. Depending on these details, your premium may be higher or lower.
Some of the key factors that influence homeowners insurance rates include:
- Your home's location and ZIP code
- The home's construction type and building materials
- Whether your property has a swimming pool
- Operating a business from your home
- The amount of coverage you choose
- The age of your home
- The estimated cost to rebuild or replace your home
Compare Homeowners Insurance Companies
Many insurance websites only compare a limited selection of carriers, often highlighting well-known national brands while overlooking smaller regional insurers that may offer better value. As a result, you may not be seeing the most competitive options available.
Our independent insurance agents take a different approach. We compare homeowners insurance quotes from more than 40 trusted insurance carriers, including both national and regional companies, to help you find the right combination of coverage and price. By taking the time to understand your home, budget, and coverage needs, we can build a personalized policy designed to deliver the protection you need at a competitive rate.
Common Home Risks
Homeowners face unique environmental risks. Choosing the right homeowners insurance means understanding the types of damage that are more common in the state and ensuring your policy provides the protection you need. While standard homeowners insurance covers many perils, some risks may require additional coverage or endorsements.
Flooding
Heavy monsoon storms can trigger sudden flash floods. These fast-moving floods can damage homes, foundations, landscaping, and personal belongings. It's important to note that flood damage is not typically covered under a standard homeowners insurance policy and usually requires separate flood insurance.
Water Damage
Water damage can result from burst pipes, plumbing failures, overflowing appliances, or backed-up sewer and drain lines. While many homeowners policies cover certain types of sudden and accidental water damage, coverage for sewer backups or flood-related damage may require additional endorsements or separate policies.
Wildfires
Thousands of wildfires are experienced each year, especially during the hot, dry summer months. Wildfires can spread rapidly, threatening homes and surrounding communities. A standard homeowners insurance policy generally covers fire damage, helping pay to repair or rebuild your home and replace covered personal belongings after a covered wildfire.
Flood Insurance
Water Backup Coverage
Wildfire Coverage
Standard homeowners insurance policies typically do not cover flood damage. If your home is at risk of flooding from heavy rains or flash floods, you'll need to purchase a separate flood insurance policy for protection.
Wildfire Coverage
Water Backup Coverage
Wildfire Coverage
Most standard homeowners insurance policies include coverage for fire damage, including losses caused by wildfires. Your policy can help pay to repair or rebuild your home and replace covered personal belongings after a covered fire.
If you're purchasing multiple insurance policies such as homeowners and auto insurance, your agent may be able to bundle them with the same carrier, helping you qualify for valuable multi-policy discounts.
Water Backup Coverage
Water Backup Coverage
Water Backup Coverage
Water backup coverage can help pay for damage caused by backed-up sewers, drains, or sump pumps. This protection is usually available as an optional endorsement that can be added to your homeowners policy.