Homeowners Insurance, Albany, NY

Home & Auto Insurance

We offer a complete line of personal insurance products and can tailor a program to fit your specific needs and budget. Contact us today to receive your free consultation.

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Albany, NY Business Insurance

Business Insurance

We offer insurance programs designed exclusively for your industry and customize coverage to the unique needs of your business. Schedule a comprehensive review today.

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Life Insurance, Albany, NY

Life Insurance

Life insurance serves as a foundation for any financial plan and can help prepare for life's uncertainties. Provide security for your family's financial future today.

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Investment Services in Albany NY

Investment Services

We can assist you in meeting your financial goals through a wide range of investment strategies and products. Inquire today to receive a free consultation.

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President’s Message

the murray group presidents message

When I established The Murray Group in 1974, I knew that the agency’s success was going to be directly related to the relationships we formed with our clients.  I can honestly say this principle still remains true to this day.

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How does my credit score effect my insurance premium?

January 27, 2012 0 Comments

According to the Federal Trade Commission, based on the numerous studies that have been done on the issue of credit score and insurance premiums, there is a direct relationship between credit score and an individuals propensity to get into severe car accidents as well as cancel for non-payment.

What makes landlord insurance different from homeowners insurance?

January 26, 2012 0 Comments

At the 10,000 foot view, the major difference between a landlord policy and a homeowner policy is that a landlord policy does not contain personal property coverage, (coverage for your stuff), on the standard policy.

Do I need more than the state minimum coverage?

January 25, 2012 0 Comments

The quick and easy answer to this is yes. You should have more insurance coverage than the state mandated minimum auto coverages.

Is my employer sponsored life insurance plan enough?

January 24, 2012 0 Comments

Employer sponsored life insurance is a wonderful benefit to receive as an employee. However, just because life insurance is offered through work doesn’t mean that your family is adequately protected in event you die.

Why is there life insurance for children?

January 23, 2012 0 Comments

However, most life insurance policies bought on the lives of children are not purchased as a means of providing financial relief in the event a child passes. Instead whole and universal life insurance policies are bought as presents for children.

What is the difference between universal and whole life insurance?

January 22, 2012 0 Comments

Universal life insurance and whole life insurance are both considered to be permanent life insurance products. However, there are very distinct differences between the two types of life insurance.

How much life insurance should I buy?

January 21, 2012 0 Comments

The most common reasons for purchasing life insurance include coverage of debt, specifically a mortgage, replacing lost income for survivors and making sure there are funds available for education of children.