Michael O. Murphy in Saratoga Springs, NY

The Michael O. Murphy in Saratoga Springs, NY provides the following products. To learn more about each insurance product, click on the links below.

• Car Insurance

  Michael O. Murphy is your go-to source for friendly, knowledgeable advice about your Saratoga Springs auto insurance. It doesn't matter if you're trying to determine the right claim limits for your household, or if you're a first-time owner of an RV, motorcycle, or specialty vehicle. Whatever your question, we can help you find quick, confident answers and speedily take care of your auto insurance needs.
  
  Michael O. Murphy customer needs run the gamut from meeting minimum requirements for the state of NY and finding low-as-they-go premiums, to building comprehensive, personalized coverage through various Nationwide programs. Along with higher claim limits, roadside assistance, rental reimbursement, and gap insurance are some of the popular options. You can also reward yourself for every year of claims-free driving by enrolling in the Vanishing Deductible® program.
  
  There are sizable discounts available to most customers, everything from good grades to multiple policy discounts. We also offer plenty of billing and payment options to make running your household just a little bit easier. Whether you're in our neck of the woods on 195 Washington St or no matter where you live in Saratoga Springs, you can get the coverage you need with the Michael O. Murphy. Give us a call at (518) 584-1863 today.

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• Home Insurance

  Michael O. Murphy knows just how to protect Saratoga Springs residences with a home insurance policy. Earned through years of listening to the concerns of other local homeowners, our agents can answer any questions you may have about various coverage programs and policy options.
  
  Even in the most tightly knit Saratoga Springs neighborhoods, no two properties and no two households are exactly the same. An aging roof may lead one homeowner to opt for the Better Roof Replacement® program, while a multigenerational household next door has heard about the benefits of Nationwide's Brand New Belongings®. There may also be high-value items, homeowner liability or secondary structures on the property that need the protection of a homeowner's policy. Simply tell one of the experts at Michael O. Murphy your individual concerns, and discover how to make coverage choices with speed and confidence.
  
  Along with competitive rates and discounts, the renowned On Your Side® Claims Service will be there for any homeowner who ends up needing more than just peace of mind from their policy coverage.
  
  Call us at (518) 584-1863 to choose a policy or to set up an office appointment. Michael O. Murphy is located at 195 Washington St.

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• Life Insurance

  Whenever you have any major change in your life, you should reassess your insurance needs. Marriage is one such occasion. Along with wedded bliss come new concerns and new responsibilities. You should take steps now to make sure that you and your spouse’s financial needs will be fully taken care of should the worst happen.
  
  We at Michael O. Murphy are here to help newlyweds in the Saratoga Springs area. We will answer all your life insurance questions and explain in easy language term versus permanent insurance. After speaking with us, you will have a complete understanding of both whole life insurance and universal life insurance and you will know which options are best for you.
  
  In order to properly assess your coverage needs, you and your spouse will need to consider things such as your age, current income, current debt, number (if any) of dependent children, likely future income levels, final expenses and the impact of a loss of income. We will help you determine the amount and length of coverage that is optimal for your circumstances.
  
  After marriage, life gets busy. You should make sure, however that you are not too busy to take action now to assure a financially-secure future for yourself or your spouse years down the road. Life is uncertain but you can help take the uncertainty out of your financial future by making wise choices now.
  
  Call Michael O. Murphy at (518) 584-1863. If you are in the neighborhood, we welcome you and your spouse to stop by our office at 195 Washington St.
  
  
  LAW-0247AO (05/18)

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• Business Insurance

  As a small business owner in Saratoga Springs, the need for you to have a solid business insurance policy protecting your business cannot be overstated. You no doubt put a lot of time and effort into growing and sustaining your business, so why risk its future by not protecting it and yourself against any and all obvious and unforeseen risks? With the help of our team here at Michael O. Murphy, we can help you secure coverage through Nationwide, one of the country's most respected insurers.
  
  When it comes to business insurance, your primary concern should be getting the right amount of coverage for your company. You certainly don't want to leave any potential gaps in your coverage, yet at the same time, you don't want to overpay either. Fortunately, Nationwide is with you when it comes to finding your ideal insurance package. An agent will be happy to sit down with you and take an inventory of all of your current business assets. The amount of replacement coverage that you'll need will then be determined by the replacement value of those assets. Next, you'll review the types of services that you offer, as well as the risks that your employees and customers are exposed to. Your liability coverage needs are then determined from there.
  
  Selecting the appropriate types and amounts of coverage needed to protect your small business doesn't need to be difficult, particularly when you have the help of an experienced agent. We at Michael O. Murphy can provide that experience in helping you create a policy through Nationwide that's customized to fit your unique needs. To schedule an appointment to discuss your business insurance options, call us at (518) 584-1863, or come by and see us on 195 Washington St.
  
  Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

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The Michael O. Murphy also offers products in . Please call for information on products in those states.