Things home insurance won’t cover

Your home insurance is a lifesaver. It protects you against many perils, ranging from theft, fire, vandalism, riots to numerous natural calamities. However, as you rest easy knowing that you will file a claim for every catastrophe, there are perils that your typical home insurance policy won’t cover. Therefore, just as important it is to know what your home insurance covers, it’s equally paramount to know what’s not covered. This way, you won’t be in for a surprise when filing a claim. 

To that end, Murvay Insurance of Newport Beach, CA, shares problems that your home insurance doesn’t cover. 

Certain natural disasters

One of the biggest blunders you can make is assuming that your home insurance protects you against all natural disasters. For example, while your home insurance will cover you against hail, lightning, and other natural disasters, typical home insurance doesn’t cover flood and earthquake damage. 

With this in mind, if you live in locations where earthquakes and floods are frequent, you need stand-alone coverages to protect your home. 

Water damage: It’s tricky here

Water from floods isn’t the only headache you have to deal with. While home insurance covers your home against water damage from busted pipes and leaking roofs, some types of water damage are typically excluded.

For instance, if heavy storms, debris, and malfunctioning sump guards cause water backups through sewers, any damage arising from water damage isn’t covered by your typical home insurance. 


Home insurance expects you to maintain your home properly. As such, any neglect won’t be covered. For instance, if you fail to turn your heat on and a pipe bursts due to freezing, your claim could be denied. 

Normal wear and tear

Home insurance safeguards you against accidental problems such as a tree falling on your house or an electrical mishap that causes fire. However, home insurance won’t cover deterioration of your home resulting from regular wear and tear.

Are you looking for more information on home insurance? Please contact Murvay Insurance. Besides, you can visit our Newport Beach, CA offices to speak to one of our agents. 

Why is home insurance important?

Ever wonder why you need home insurance and why it’s important? Put simply, a home insurance policy can cover the cost of loss or damages for your home. Home insurance helps with the cost of those repairs, which may be from natural disasters, vandalism, or theft. A home insurance policy can also cover property liability and guest injuries, depending on the plan you choose based on your personal wants and needs.

Home insurance policies can include fire insurance, renter’s insurance, as well as coverage in case of a flood and tornado, or other natural disasters. There are a variety of home insurance policies that you can combine depending on your home type and where you live. Natural disaster coverage and liabilities vary by state, so make sure to get in touch with an agent in your area. If you are in the Newport Beach, CA area, Murvay Insurance can put together the perfect policy for you and your insurance needs and customize your coverage based on your needs.

Having a full-coverage home insurance policy equals peace of mind for you and your loved ones. Proper home coverage takes the “what-if” out of many real-life situations, meaning you can get back to enjoying your life. Thinking ahead is always important, especially when it comes to your and your family’s wellbeing and belongings. Home insurance policies can potentially help you with legal fees, as well as cover your expensive and irreplaceable keepsakes and items, so they are worth considering.

Murvay Insurance is serving the Newport Beach, CA area, and are prepared to cover all of your home insurance needs and questions. Give the office a call to find out more about your home insurance policies and options!

5 Tips for Preparing Your Home for Disasters

With natural disasters on the rise, it’s important homeowners be prepared at all times. Make sure your home insurance is up to date and provides the protection you need against disasters. Here are a few more tips from Murvay Insurance on how to prepare your Newport Beach, CA home for disasters.

Fortify Your Abode

Keep up with home maintenance that will fortify your dwelling against disasters. This includes your roof, windows, exterior doors, and garage door. An old roof or outdated windows increase your risk of interior damage from severe rain, wind, or hailstorms.

Survey Landscaping

Survey your landscaping to see if large trees or other structures pose a threat to your home in a disaster. Find a safe place to store lawn furniture, potted plants, garden decor, and kids’ toys to avoid these becoming projectiles and causing damage to your home.  

Create an Evacuation Plan

Become familiar with potential disasters that can strike your area and create an evacuation plan for handling each. Your plan should include where to meet in the event you get separated from other family members, a safe location where you can stay, and how you’ll stay in touch.

Pack a “Flee Bag”

Sign up for emergency alerts on your cell phone to receive updates on potential disasters. Have a “flee bag” with basic essentials and important documents ready to go to expedite your escape in a disaster.  

Stock Up on Emergency Supplies

If you plan to shelter in place, make sure you have emergency supplies. This includes bottled water, non-perishable foods, medications, first aid kit, flashlight with batteries, and a portable radio. Keep your cell phone fully charged to communicate with emergency crews or family members when needed.

For the home insurance coverage, you need to protect your Newport Beach, CA home against disasters, contact Murvay Insurance today.

Insuring Your Newport Beach Home

It’s hard to explain the Southern California lifestyle to those in other parts of the country. Still, Newport Beach, CA is an iconic destination point for those wishing to visit the area.  For homeowners who call this beach community home, purchasing home insurance from a trusted insurance broker is the key to protecting your property and protecting your investment.  Here at Murvay Insurance, we make insuring your Newport Beach, CA home easy, so you can leave that house and enjoy the southern California lifestyle.

Insuring Your Newport Beach, CA Home

Home insurance is your buffer against a host of liabilities.  To begin with, a property liability policy will cover damage to your home owing to a range of reasons.  However, you will want to sit down with our Murvay Insurance agents to discuss specific coverage, and whether a standard policy will cover your needs. 

A dwelling policy protects your home against damages caused by the ravages of Mother Nature.  This policy will help you repair your house, should it be damaged.  Typically speaking, flood and fire insurance requires a separate home owner’s policy, and we can certainly make sure that you have the coverage you need in either of those events.

Finally, a comprehensive home insurance policy will protect you against liability claims should someone get hurt or injured on your property.  This coverage will pay for resultant medical expenses as well as any legal fees you might incur if an injured guest decides to sue you and your family.

Contact Our Friendly Team at Murvay Insurance

If you have questions about protecting your Newport Beach, CA property, we have friendly insurance agents looking forward to answering those questions, so you can make the most informed decision possible.  Home insurance is a critical component of your overall financial picture.  As your most substantial investment, you want to make sure that it is safe regardless of the situations thrown at it from fires to injuries to all liability concerns in between, and Murvay Insurance wants to be there with you to help make that coverage a reality.

Does Home Insurance Cover Wind Driven Rain Damage?

Home insurance is one of the best ways to protect your investment if you purchase a home. It is somtimes a requirement that homeowners have home insurance if they are financing, but even after the home is paid for, it is wise to never let the insurance policy lapse because there are always risks to consider. Without adequate insurance in place, you can incur massive losses as a result of things such as fire, theft, and of course, natural disasters and storms.

What is Wind-Driven Rain? 

Wind-driven rain is rain that causes damage to a home as a result of being pushed into the structure by the wind. This happens during storms such as tornados, severe thunderstorms, and hurricanes. Generally, this type of damage is covered by most home insurance policies. Before selecting a home insurance policy, be sure to ask your insurance agent to explain exactly how each policy is designed to protect against this risk and what the limits of coverage are for storm damages.

Working With a Skilled Agent

The best way to protect a home from storm damage is to have the right type of home insurance in place. Working with an insightful insurance agent is the most effective way to determine which policies work best for a certain situation. They can help clients determine their current needs and match them with insurance providers who can give them complete coverage against a variety of storm-related threats year-round. People who live in the Newport Beach, CA area can count on Murvay Insurance to work with them to find solutions to their insurance needs. 

Call or stop by the Murvay Insurance office today to speak with an agent about home insurance options. We look forward to serving residents of Newport Beach, CA to help protect their home. 



Do I need to have home insurance in California?

The Newport Beach, CA area is a beautiful part of the country and also a great place to buy a home. If you are going to purchase a home in this part of the country, you will want to make sure that you are properly protecting it with home insurance. There are several reasons why you will need to have home insurance in California. 

Required by Lender 

One reason why you need to have home insurance is that it could be required by your home lender. If you have a mortgage, there is a good chance that your lender is going to require that you carry home insurance at all times. To ensure that your property continues to be properly covered at all times, many lenders will also require that you escrow your home insurance payments each month with your mortgage payment.

Association Rules

Many people in the Newport Beach area are also subject to a variety of home association agreements. These agreements often require that you have home insurance and provide evidence of it each year. The associations want you to have insurance as it will ensure you have liability coverage if you or your property causes damage to another and that you can rebuild your home if it is damaged by a fire or bad weather. 

If you are going to buy a home in Newport Beach, CA, you need to have good home insurance in place at all times. One company that can help you to do this is Murvay Insurance. When you work with the team at Murvay Insurance, you can learn a lot more about all of the home insurance options that you have. This will help you to choose the right policy for your situation and needs. 

5 Ways to Prepare Your Home for Fall

With summer coming to an end, you may be contemplating ways to prepare your home for fall. By starting early, you can be fully prepared before the onset of fall and winter holidays. Here are a few ideas to help you get started from Murvay Insurance in Newport Beach, CA.

Clean Your Gutters

The end of summer is a good time to clean your home’s gutters in preparation for rainy weather in fall. Clogged drains and gutters can pose the risk of water leaking into your home and causing water damage. At the same time, you can check for gutter damage and make necessary repairs.

Declutter Your Home

With the kids back in school, you’re bound to have more traffic in and out of your home. Clutter in hallways and stairs can lead to accidents. By preparing a place to store school bags, sports equipment, and other items, you can make your Newport Beach CA home a safer (and prettier) environment.

Upgrade Lighting (Inside and Out)

There’s less daylight during fall and winter, making it important to have sufficient lighting in your home to avoid accidents. Indoor energy-efficient lights will brighten your environment without raising energy costs. Outdoor motion detection lights will safeguard visitors during evening events and provide extra security for your family.

Put a Fresh Coat of Paint on Walls

Give your interior a new look with a fresh coat of paint on the walls. Painting your walls will create an attractive, welcoming setting for guests as they visit for the holidays.

Contact Your Murvay Insurance Agent to Update your Policy  

Review your home insurance policy to ensure you have adequate coverage for the holidays. Adequate coverage will protect your assets in the event of disaster or accidents.

For customized home insurance to protect your investments, contact Murvay Insurance in Newport Beach, CA.

How Newport Beach Businesses Can Protect Themselves with Commercial Insurance

Owning a business in the Newport Beach, CA area can be a great option as the local economy continues to be very strong and there is a lot of consumer demand. While a business can do very well in this area, there are also many risks that a business faces on a daily basis. One way that some of these risks can be properly managed and mitigated is by getting a quality commercial insurance policy. Commercial insurance can protect a business a number of ways.

Provide Liability Protection

Any business is taking on some liability risk whenever they meet with a customer or provide a service. Due to this risk, it is important that you find ways to manage liability. One of the best ways that a business owner can do this today is by getting a liability insurance policy. This will provide you with very valuable liability protection for a variety of situations.

Protect Assets

A business owner will have to invest a lot of money in a variety of business assets. One of the best ways that this investment can be protected is through a commercial insurance policy. This type of insurance will provide protection for the covered assets in the event of a fire, storm damage, theft, or other potential losses. 

If you are an owner or manager for a business in the Newport Beach, CA area, it is very important that you ensure that you are properly taken care of. When you are evaluating your insurance needs, you should speak with the professionals at Murvay Insurance. The team at Murvay Insurance knows all of the unique risks that businesses deal with on a daily basis. They can then help you to mitigate these risks with a quality commercial insurance policy.  

Insuring Your Summer Home In Newport Beach, CA

You know the importance of homeowners insurance on your primary residence, but things can get a little bit tricky when you own multiple properties. Insuring your summer home is important, and it can make sense to take out an even more protective insurance policy on your home away from home. At Murvay Insurance, serving Newport Beach, CA, we understand the importance of insurance on your second home.

First, think about location. Many summer homes are in areas that are more prone to weather-related damage than primary residences. Is your vacation home located near a beach, or in a mountain area known for severe weather? If so, you may want to purchase additional protection to keep your home safe in case of weather damage. 

Second, are you going to rent out your home to others? If so, you may want to take extra precautions when it comes to your insurance policy. You vet the people staying in your home, of course, but it’s hard to know exactly what will happen when you aren’t there. Amping up your insurance policy is smart if you use a service like VBRO or AirBnB to rent out your home, especially if you depend on the income you earn from renting. 

Lastly, do you have a pool or a hot tub attached or adjacent to your home? If so, it’s important that your policy covers personal injury and damages related to these structures. Your agent can talk to you about the type of coverage that makes the most sense for your pool or hot tub. 

Whether your second home is on the beach or a part of a ski resort, it’s important that you talk with an insurance agent who gets your needs. Stop into Murvay Insurance, serving Newport Beach, CA today- we’ll help you find the policy that makes sense for you.

Factors to Consider When Choosing Home Insurance

Choosing a Home Policy

Home insurance is necessary in California with how many things can go wrong, so it’s important to pay attention to these factors in order to choose the right insurance.

  • Replacement Cost: Check with an agent at Murvay Insurance to see if you are covered under 100% replacement cost. This may be recommended, even if you still don’t have a mortgage, if you want to rebuild your home after a major loss. This isn’t the market value of the house, but rather the cost to rebuild it in the event of a total loss.
  • Your Deductible: The higher your deductible, the less you will have to pay on your premiums. However, you will be on the hook for your deductible if you need to file a claim. Deductibles used to be around $500 but are creeping up toward $1,000. If you can swing it, choose a deductible that is higher to save on premiums.
  • High-Value Items: If you have a lot of valuables, you may need some extra coverage. Some of these items that need additional coverage include electronics, furs, jewelry, and fine arts. Be sure to get an appraisal on these items, so you can ensure that you have enough coverage.
  • What’s Not Covered in Your Policy: Certain things aren’t covered under homeowners insurance in California, such as damage from earthquakes and floods. Pay attention to anything not included in your policy, so you can be sure to add it if possible or look at additional ways to get coverage.
  • Your Location: The location of your home is going to matter. Homes that are near a fire hydrant may be cheaper to insure. Homes that are located in a community with a professional fire department nearby may also be cheaper than homes where there are only volunteer firefighters.

Contact Murvay Insurance to get a quote on home insurance.