How to Protect All of the Structures on Your Property with One Home Insurance Policy

Does your property contain detached structures that will also require insurance coverage in the event of theft, fire, or a storm? Most home insurance policies are written in the greater Frederick, MD area contain a protection clause for other structures coverage. If you are uncertain if your current home insurance policy provides the protection that you need, the team at Wellspring Insurance Network Inc. can conduct a review for you. This will also be a good time to review your personal articles coverage and make sure that it is at the appropriate level to protect all of your items, no matter where they are located on or off of your property.

What Types of Buildings Does Other Structure Coverage Protect?

Have you improved your property with a gazebo or other free-standing structure? Do you have a detached garage or a privacy fence? Those are the types of structures that will be covered by the other structures clause in your homeowner policy. If you have a substantial structure and want to make sure that you have an adequate level of protection it is a good idea to thoroughly review your policy. The properties on your land are covered in the event that the peril that causes the loss is part of your home policy protection. The level of coverage is typically a percentage of the protection for your dwelling.

Now is a good time to review your home insurance policy to make sure that you have the coverage that you need for all of the buildings and structures on your property. Contact Wellspring Insurance Network Inc. today if you are in the greater Frederick, MD area and would like a policy review. Our team of professional agents is here to help!

How Does a Speeding Ticket Affect Car Insurance?

When a person purchases an auto insurance policy, it is extremely important to maintain a clean driving record. Any type of traffic violation may or may not impact a person’s monthly premium. Fortunately, there are certain steps a person can take to help mitigate the risk of a premium going up if a person gets a speeding ticket. Here at Wellspring Insurance Network Inc., we are all about making sure you can afford your auto insurance and we want to do everything we can to make your policy as affordable as possible. This is why we put together a helpful go-to guide to help you understand how a speeding ticket affects car insurance in Frederick, MD. 

Look for a Defensive Driving Course

A defensive driving course is also sometimes referred to as traffic school. As a driver, you want to make sure you are always going the speed limit, but it’s not uncommon for people to get at least one speeding ticket during their lifetime as a driver. If you happen to be one of these people, you should contact your insurance company and ask about a defensive driving course. You may find you are able to have your ticket dismissed. Typically, you can have one ticket dismissed per every 12 months. Even better, some of these courses are offered online, allowing you to complete them at your own convenience. 

Speeding Tickets Increase Your Rates

Here’s the truth of the matter. A speeding ticket is likely to increase your policy amount because it reveals you are not abiding by the law when behind the wheel of a car. Always go the speed limit.

To learn more about speeding tickets and how they impact car insurance, contact Wellspring Insurance Network Inc. serving Frederick, MD.