Wellspring Insurance Network Blog

Things happen, they just do. 

Unanticipated events are a part of life that possesses the potential to bleed one’s savings dry.  Whether it is a rusted water-heater in the home or a Nor’easter blowing through Frederick, MD, unexpected disasters can cause significant damage to furniture, knickknacks and even irreplaceable keepsakes.  Is there a way to protect one’s home’s contents before the accident/disaster occurs?

The reality is, there is the insurance product — home contents insurance — that can be purchased from the respected insurance professionals at Wellspring Insurance Network Inc. for those living in the Frederick, MD vicinity and surrounding areas. 

When considering the purchase of home contents insurance, it is important to determine just how much it will cost to replace the items that can be taken from a home when one moves. This would include:

• Clothing and Jewelry
• Electrical and Entertainment Equipment
• Kitchen Furnishings
• Furniture
• Curtains, bedding, and towels

The list adds up quickly, and the cost to replace the contents will likely total in the tens of thousands of dollars. The best way to accurately anticipate the replacement cost of one’s home contents is to keep a written record of any item that cost more than $500, or so. Work from room-to-room to ensure all items are included in the total estimate.

Most contents insurance policies include a ‘wear and tear’ clause to account for an item’s true cost at the time of the unexpected event. However, home contents insurance is generally an affordable option for those who seek to protect their prized possessions. 

Home contents insurance is not required by a third party, like a mortgage lender. Home contents insurance is strictly optional, but a really levelheaded idea. Reach out to the insurance professionals at Wellspring Insurance Network Inc. by email, or phone (240-848-0355) to meet all your insurance needs.