Monthly Archives: November 2016

Keeping your home safe from fires

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A fire can damage, or even destroy your home in a very short time.  It is a good idea then to do all you can to prevent fires, and if you take some precautions, you will significantly reduce the chances of a fire developing. The Wellspring  Insurance Network in Rockville, MD offers these suggestions for making your home safe, and for preventing fires.

  • The smoke alarm. Almost all homes have smoke alarms, but they are operated by batteries that can go bad. These should be checked yearly, or maybe every six months just to make sure. A consumer Protection Agency report says 65 percent of deaths in home fires happen in houses without a working smoke alarm
  • Extension cords are another hazard that can be easily prevented. Often they are used in homes, and they should be inspected regularly to make sure there is no excessive wear or exposed wiring. Also make sure there are no papers or other flammable material around cords.
  • Fire hazards. Removing fire hazards is obviously the best way to prevent fires, but they are not always obvious. It is a good idea to inspect your home regularly, and to look for anything that could be a problem. A cord getting worn, gas or other flammable liquids left out are just a couple of things to look for.
  • Keep a fire extinguisher handy. Make sure these are in working order, and that everyone in the home knows how to operate them. This can stop a small fire from spreading and prevent major damage before it gets started. 
  • Heating. If you use portable heaters, make sure you turn them off when you go to sleep.  It is also important to keep paper or cloth products away from them so they do not start a fire. 

Use these tips to prevent fires in your home. Come by, or call the Wellspring Insurance Network in Rockville, Md to make sure you have the coverage you need for your home.

3 Reasons You Need Auto Insurance in Maryland

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Although the amount of coverage one acquires varies from person to person, for most states, purchasing auto insurance coverage is non-negotiable. Indeed, although some may shun the idea of insurance coverage, many others realize the value of maintaining quality coverage over time. Do you live in the state of Maryland and need reasons to purchase an auto insurance policy? Keep Reading. 

Proof of Insurance

While it may sound minuscule, being unable to provide proof of insurance may prevent you from registering your vehicle, acquiring parking passes, and more. The only way to obtain legitimate proof of insurance is by acquiring auto insurance coverage for your vehicle. 

Accident-Proof Your Vehicle

While there is not exactly a way to make your car accident-proof, purchasing a high quality insurance package can make it so you never have to worry about your vehicle. With the option to cover your vehicle against any and all potential incidents, there is no need to live in fear of a minor or even major fender bender. 

 Avoid Costly Lawsuits

Lastly, one of the top reasons you need auto insurance in Maryland is to avoid costly lawsuits. If you are involved in an accident of some sort, individuals and businesses will be able to come after you for astronomical costs. Purchase a high quality auto insurance policy to avoid these issues. 

Overall, if you are looking for high quality auto insurance coverage within the state of Maryland, Wellspring Insurance Network Inc. is a great place to start. Stop by, call in, or email us for a fast quote as well as more information on how you can save. 

Do You Have Enough Auto Insurance In Place?

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Determining whether you have enough auto insurance in Rockville, MD is of the utmost importance. The last thing you want is to file a claim with the insurance company only to find out that you are missing coverage or that you have to pay out-of-pocket for more than what you can afford.

What are the Limits?

The limits for each of the forms of coverage you need to be examined. For example, if you have $50,000 worth of property damage coverage, this may be sufficient for most accidents. However, if you have been involved in accidents in the past and the total damage was $75,000, you would be financially responsible for the remaining $25,000. This means that you need to take the time to look at the limits to see whether they are going to provide you with enough financial protection.

Often, increasing the limits will only increase the cost of the premiums by a small amount of money. This means it may be worth it to increase the coverage so that you reduce the likelihood of having to pay out-of-pocket.

Do You Have Enough Coverage?

In addition to the limits, you also have to look at the different types of coverage you have in place on your auto insurance policy. At Wellspring Insurance Network Inc., we can talk to you about collision, comprehensive, uninsured/underinsured, PIP, and more. You can learn how each will provide you with protection and whether it is something that you want to include on your policy.

The state dictates the minimum levels of coverage that you need to have, though it may be best if you have more coverage so that you are better protected throughout the year.

When you want to learn more about your auto insurance in Rockville, MD, contact Wellspring Insurance Network Inc. today. One of our independent insurance agents will help you to find sufficient coverage and an affordable policy.