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What to Consider Before Buying a House on a Golf Course

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There are about 29 million people who play golf in the United States. So it’s probably no surprise that more and more Americans are opting to live a stone’s throw away from enjoying their favorite leisure activity.

The first golf communities appeared in Florida and the Carolinas more than two decades ago. Eventually, they spread across the Sun Belt and beyond. Today, it’s not uncommon to find golf communities throughout the northern states as well.

The appeal of buying a home on a golf course only grew as developers added on-site amenities like spas, nature guides and planned activities over the years.

Though overdevelopment led to a dip in the number of people buying a house on a golf course, the appeal still remains. Yet there are important things to consider before buying a house on a golf course that you wouldn’t have to consider when buying a house in a traditional neighborhood. In this series, we’ll explore issues you’ll want to weigh before you decide to make your home close to a putting green. They include:

  • The Pros and Cons of Living on a Golf Course: The option to live in an attractive community with amenities and proximity to a course are definite pluses. But many buyers fail to consider the downsides. By examining each one, you’ll have a better idea of what you’re getting into before you sign on the dotted line.
  • Insurance for Golf Carts: Like cars, golf carts can get stolen or damaged. They can also cause harm to others or their property. That’s why it’s important to consider coverage options to both protect your cart as well as yourself from liability exposure caused by operating your golf cart.
  • The Best Golf Communities in America: If you’re ready to consider buying a home on a golf course after knowing all the facts, it’s worth checking out which ones are considered the best. This round-up will give you an overview of top-notch options across the United States.

Ready to learn more? Then let’s get started.

Read the full story from Erie Insurance: “What to Consider Before Buying a House on a Golf Course

James B. Murdoch Insurance Group, Inc.: Auto/Car Insurance, Homeowners Insurance, Business/Commercial Insurance, and Life/Health Insurance For Camp Hill and All of Pennsylvania.

ERIE Honored as One of America’s Most Trustworthy Financial Companies

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ERIE recently lit up Times Square with the news of being named one of America’s 50 Most Trustworthy Financial Companies. According to a recent study by GMI Ratings, Erie Indemnity came in with a “best score” in the mid cap segment with an average Accounting and Governance Risk (AGR) of 99.

“It’s a great honor to be among companies of this caliber,” said Brad Postema, senior vice president and chief investments officer. “This type of recognition affirms our efforts to live by ERIE’s values, to operate under the highest ethical standards – it’s a great complement to the third-party recognition ERIE receives for service.”

GMI, a proprietary ratings provider and investment advisor, studied the accounting and governance behaviors of more than 8,000 publicly traded banking services and insurance companies from fourth quarter of 2012 through third quarter of 2013. For each company, GMI identified an “Aggressive Accounting and Governance Risk,” or AGR rating. Companies making the top 50 rankings have the highest AGR ratings for the time period studied.

The list of America’s 50 Most Trustworthy Financial Companies was released earlier this month by Forbes. You can see the full list at Forbes.

Read the full story from Erie Insurance: “ERIE Honored as One of America’s Most Trustworthy Financial Companies

James B. Murdoch Insurance Group, Inc.: Auto/Car Insurance, Homeowners Insurance, Business/Commercial Insurance, and Life/Health Insurance For Camp Hill and All of Pennsylvania.

(Bitter) Sweet 16 Series: One Mom’s Drive to Survive, Part II

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Since my 16-year-old daughter Maddi got her driver’s license permit last month, I’ve entered uncharted territory. I’m supposed to patiently (yeah, um, sure) teach my teen daughter how to drive. I think I’d rather scrub the bathroom every night of the week than argue with my headstrong teen on how close she really was to that parked car. (I’m telling you, it was close!).

I took her to a big church parking lot when it wasn’t busy over a few evenings. Basically, she got her feel for the gas and brakes and I showed her where things were located in the vehicle. She immediately wanted to use two feet to drive and I nipped that right in the bud. All in all, the first few lessons were not too bad. Plus, she realized, “This driving thing is a lot harder than I thought. I’m scared.” GOOD! I’d rather her be nervous than overconfident right now.

Now all I hear is, “Mom, will you take me driving?” And I cringe. It’s not that I mind taking her, but it’s just one more thing to add to my already really long to-do list. But I know I’m going to have to find time to fit in all this driving practice because in Pennsylvania, you have to log at least 50 hours of supervised behind-the-wheel practice.

“OMG, there’s a van behind me!”

Fast forward a couple lessons, where Maddi and I venture out onto the road…with actual cars. I’m not going to lie, I was tightly gripping the passenger-side door handle. She’s doing okay – a lot of lurching at the stop signs, but she’ll work that out in time.

We’re driving around a neighborhood and she takes a wrong turn toward the main road. She isn’t ready for that yet, so I tell her to pick a driveway and turn around. She pulls into one, and, of course, the van behind us is waiting to pull into which driveway? Yep, the driveway we’re in.

She immediately gets nervous, admitting, “I can’t remember which way to turn the wheel when I back out.” (If you think about it, it’s a tricky concept to master.) I instruct her while reaching over to help.

Instead of hitting the brake as she backs up, she accidentally hits the gas, which makes us lunge toward the mailbox. We narrowly miss it.

“Stop!” I yell. “Get out of the car. I’ll back out so these people can get in their driveway.”

Maddi is mortified at this point. She refuses to get out of the car and says she will just slide over. So I get out of the car, wave at the woman in the minivan and very matter-of-factly say, “Teen driver.” She gives me the nod and I know she totally gets it. The whole way home, my daughter is carrying on about how I embarrassed her. I must’ve missed something.

“And you are so mean, why do you keep yelling at me?”

I calmly explain that I’m not yelling at her. But when she is going too fast or is driving a little too close to oncoming traffic, yes, I may panic. And I most certainly will get louder. She tries to debate me, but a truck is coming.

“Just focus,” I say. And once again I realize why I’m not a teacher.


Watch for more updates from Maddi and me on our learning-to-drive journey in the coming weeks. In the meantime, here are some helpful tips for parents of teen drivers and a list of smartphone apps that can help reduce distracted driving.

Read the full story from Erie Insurance: “(Bitter) Sweet 16 Series: One Mom’s Drive to Survive, Part II

James B. Murdoch Insurance Group, Inc.: Auto/Car Insurance, Homeowners Insurance, Business/Commercial Insurance, and Life/Health Insurance For Camp Hill and All of Pennsylvania.

Need Motorcycle Insurance?

We provide Motor Cycle Insurance If you have recently purchased a motorcycle or are searching for a better option for motorcycle insurance in the Camp Hill area, James B. Murdoch Insurance Group, Inc. is here to help. The team at our agency lives and works in Camp Hill, and we are committed to serving our local community of motorcycle riders. We know you need coverage that gives you the highest level of protection at the lowest cost, and we can show you what is available to best suit your specific needs.  You may have more than one motorcycle, or own an extremely valuable motorcycle. No matter what your situation is, we will help you to find the policy that best suits your situation.

Protection After an Accident or Theft

You may need to insure custom parts for your motorcycle or need the right coverage for a vintage bike that would be extremely expensive to replace. Motorcyclists are at much higher risk than other drivers, even when travelling at slow speeds. The most common situation for an accident is an inattentive driver who fails to observe that he or she is sharing the road with a rider when changing lanes or making a turn. Not only is the rider at risk of serious injury, the motorcycle is often severely damaged as well and can be very expensive to repair. Having adequate coverage in place can allow you to get your bike back on the road, or fully replaced, when necessary.

Whether you own a cruiser, sports bike, motocross bike, dirt bike, moped or a classic motorcycle, we have a range of policies to cover you against bodily injury, property damage, collision, theft, vandalism. We also will ensure you are protected against an underinsured or uninsured driver.  Our team at James B. Murdoch Insurance Group, Inc. will explain your options so you can make a decision that makes sense, based upon your individual situation. As we are local, we are easy to contact for any questions about motorcycle insurance in Camp Hill or other communities in Pennsylvania.

We invite you to call us or contact us by email for information. We care about our clients and want to provide motorcycle insurance to protect against negligent drivers. At James B. Murdoch Insurance Group, Inc., you can count on us to be responsive, and to be focused on finding you the policy you need at the lowest cost possible.

Quiz: Were These Crazy Things Ever Insured?

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Read the full story from Erie Insurance: “Quiz: Were These Crazy Things Ever Insured?

James B. Murdoch Insurance Group, Inc.: Auto/Car Insurance, Homeowners Insurance, Business/Commercial Insurance, and Life/Health Insurance For Camp Hill and All of Pennsylvania.