insurance

Can You Switch Auto Insurance Carriers Without Losing Coverage?

Posted on by agentinsure

Virtually everyone in Newport Beach, CA, is trying to save a few dollars these days, including on auto insurance. Yet, you may be reluctant to change policies when your premiums suddenly increase drastically. Shopping around can help you keep your premiums in check. If you do it correctly, you won’t experience a coverage lapse. Murvay Insurance can help you switch your policy and ensure you still have sufficient coverage.

How To Switch Carriers

Your current carrier should give you sufficient notice of premium increases or coverage changes, typically 60 days’. This gives you sufficient time to explore new options if you are not satisfied with what your current carrier has presented. During this time, compare rates and coverage from several companies to ensure you can find another policy that meets your needs. For most people, this process will be easy. However, if you have an open claim with your current carrier, you must continue working with them to ensure the claim is processed correctly, even after you switch policies.

Essential Considerations

Don’t cancel your old policy until you have a new one. Although your current policy may allow midterm switches, be aware that you may have to pay a cancellation fee. And if you have an open claim, be aware that your premium may change once the claim is closed and your new carrier reviews your claims history. Follow this advice closely, as a lapse in coverage could be detrimental to your future insurance coverage.

If you have considered changing your auto insurance coverage in Newport Beach, CA, don’t leave it to chance. Contact the agents at Murvay Insurance to get started on an auto insurance policy tailored to your needs.

Holiday Crowds and Liability: Protecting Newport Beach Businesses with Smart Commercial Insurance

Posted on by agentinsure

Aah, the holidays! Just like the rest of the country, Newport Beach, CA transforms during the holidays. Streets explode with foot traffic, storefronts glitter late into the night, and the spirit of local business owners like you rides a seasonal high. But the truth is, beneath the sparkle hides a sharp uptick in liability exposure. Panicked holiday shoppers, packed aisles, overstretched staff, impromptu events; each adds a new layer of risk to your business.

For you, that means: more people facing more possibilities for slips, falls or even worse. Slips, trips, and unintended mishaps don’t take a holiday break. That’s why Murvay Insurance helps Newport Beach business owners double-check their commercial insurance before the season kicks into high gear.

When Crowds Surge, So Does Your Liability

Let’s break this down. Everybody loves the additional business the holidays bring, but increased foot traffic isn’t just a dream come true, it’s a liability minefield.

Reality is, trip hazards multiply. Wet floors, stacked displays, tangled cords. And it only takes one misstep for a customer to turn into the end of your business.

And that’s not even all. Seasonal hires create additional exposure. Short-term employees may not be fully trained, yet they’re representing your business during its busiest weeks. 

Still not all. Events, promotions, and pop-ups are all great for marketing. But they can quickly turn into nightmares if your coverage took a holiday break as well.

At Murvay Insurance we work with you to identify these seasonal spikes in risk and ensure your commercial insurance adapts before it’s too late.

What Smart Coverage Looks Like in December

Not all policies stretch are created the same. If you’re running extended hours, hosting events, or hiring temps, your baseline coverage will not cut it. From general liability to event-specific endorsements, flexibility matters.
We don’t believe in off-the-shelf policies. At Murvay Insurance, we help you find coverage that reflects your reality of the season: short-term chaos meets long-term consequences.

Don’t Let a Claim Break You

Your holiday success shouldn’t hinge on pure luck. The right commercial insurance strategy can help you welcome the crowds with confidence, not crossed fingers.

If you’re unsure whether your current policy can handle the holiday rush, reach out to Murvay Insurance today. Let’s make sure your season ends in celebration not litigation.
 

Repairing Your Driveway: Does Home Insurance Have Your Back?

Posted on by agentinsure

Driveways provide a pathway for vehicles from the street to your home and serve as a convenient parking spot away from the road. When your driveway develops cracks or other damage, homeowner’s insurance may cover repair costs, minus your deductible. However, certain conditions can make this coverage uncertain. The team at Murvay Insurance explains the details.

Does Homeowner’s Insurance Cover Driveway Damage in Newport Beach?

Coverage depends on the cause of the damage. Homeowner’s insurance typically covers driveway damage caused by perils listed in your policy. Common perils include falling objects, theft, vandalism, fire, lightning, hail, windstorms, power surges, pipe bursts, and the weight of ice, snow, or sleet. If the damage is caused by one of these perils, you may be eligible for compensation. However, it’s important to share specific details with Murvay Insurance and file a claim. The most likely causes of driveway damage include falling objects, vandalism, fire, hail, and heavy ice or snow. Damage caused by anything not listed in your policy will not be covered.

Will Any Insurance Cover Driveway Repairs in Newport Beach, CA?

Coverage depends on the type of damage and the insurance policies you have. Homeowner’s insurance may cover earthquake or sinkhole damage to driveways if you have riders for these events attached to your policy at the time of the claim. Some carriers offer separate earthquake or sinkhole insurance policies, which you must purchase to cover driveway repairs. Flood insurance will cover flood-related driveway damage. Additionally, a "difference in conditions" rider can cover landslide or mudslide damage if it is part of your policy. However, home insurance will not cover damage caused by poor maintenance, wear and tear, vehicles, or actions by someone living in the home.

Speak with one of our agents about your driveway. We’ll compare your situation with your carrier’s policy to determine if you qualify for coverage for driveway damage. Contact us for more information on home insurance.