Personal Insurance What is a high deductible health insurance policy? A high deductible health insurance policy places the a level of up front cost directly on the policy holder but…The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance What is New York state short term disability insurance? Short-term disability is provided by the employer and coverages any injury sustained by an employee. Not just injuries that happen…The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance What insurance covers my jewelry for theft? Theft coverage for jewelry is included on most homeowners and renters insurance policies. However, the coverage included on an unendorsed…The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance How much homeowner insurance should I have? There are so many factors that go into how much homeowners insurance you should have. In an effort to not…The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance What is an umbrella policy and why would I need one? An umbrella policy is a liability insurance policy that provides an extra layer of coverage over and above your underlying…The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance Who do I buy key person life insurance for? Key person life insurance is a unique form of life insurance that protects the business from a loss of revenue…The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance How does escrow work with my homeowners insurance payments? You can escrow your homeowners premiums at any time through your mortgage company. Basically what happens is your pay your…The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance What is the difference between whole life and term life insurance? When you purchase a whole life insurance policy that policy is guaranteed for as long as you can pay the…The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance What is a waiver of subrogation? A waiver of subrogation is an endorsement to your business insurance policy that essentially relinquishes the right of YOUR insurance…The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance Should I have replacement cost or actual cash value property insurance? There are instances where it makes sense to have an Actual Cash Value policy versus a Replacement Cost policy. Many…The Murray Group Insurance & Financial ServicesJune 28, 2018