Monthly Archives: April 2015

Protect your investment with a boat insurance policy

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Rockville, Maryland is a beautiful place to live. Whether you’re skating at the Ice Arena, walking through the quaint Town Square or boating in Rock Creek Regional Park or on Lake Needwood, there is always something to do. If you’re an avid boater, being insured should be a top priority.

Although most people think boats are covered under their auto policy, that’s just not true. Boat insurance is a completely different policy that protects your investment. It’s no secret that owning a boat and its upkeep costs a pretty penny. Working with an agent who can provide options that will save you time and money against situations like prop damage, theft, or other boating accidents can be a lifesaver just when you need it.

Operating a watercraft falls under certain rules, restrictions and laws in Rockville, Maryland that are different than any other location. Your agent will be able to provide you with the information you will need to stay in compliance. Don’t go against the grain choosing to avoid getting insurance – it’s in those instances when you realize you really need it. Keeping your family and guests is equally important. It’s best to be safe than sorry.

Take some time to speak with your agent to see what they can offer you. A good agent can give you solutions and quotes that may not be common knowledge, keeping a firm grip on your budget. Do the right thing and get a comprehensive boat insurance policy that will protect your investment and your best interest. There’s nothing better than being able to say in a crisis, “I’m insured.” Be proactive and put your safety first! For more information on what we can do for you in 20850, contact our office today!

What’s Included with the Home Liability Coverage in a Policy

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As a homeowner in Redlands, Maryland, you want to do what you can to be responsible. If you are going to invite it into your home, it is advantageous to keep everything in good repair. If someone hurts themselves in your home or anywhere on your property, you can be held liable.

Home liability coverage is often included within a homeowner’s insurance policy. The amount of coverage is entirely up to the specific policy as well is the insurance company. The more coverage you have, the less you could potentially pay out-of-pocket.

If someone hurts themselves, such as falling down a flight of stairs that was in poor repair or slipping on ice that you did not clear on your sidewalk, you can be held liable. It’s possible that that person will sue you, which would allow them to get a lawyer and hold you financially responsible for not only medical bills, but pain-and-suffering and more.

You will need to hire a lawyer and this can be expensive. Legal costs are often covered within a home liability insurance policy, regardless of whether you are found responsible or not.

The other things the coverage may include our medical bills, pain-and-suffering, as well as lost wages. The cost of all of this is going to depend heavily on how bad the injuries are. If a person spends several days or weeks in a hospital, the total financial responsibility for you as the homeowner could be extensive.

It is much easier for the insurance company to pay for all of the expenses as opposed to you. You simply need to make sure you have enough coverage on your policy.

You don’t want to spend all your money on auto insurance. Call today and let one of our insurance agents at Wellspring Insurance Network Inc. find coverage that is going to provide sufficient protection at a good price.