When is a Fence Covered By Home Insurance?

Replacing a fence can be costly. This is why it is so important to know whether you are responsible for replacing your fence or whether your homeowner’s insurance will cover any damage or a possible fence replacement. At Wellspring Insurance Network Inc. serving Frederick, MD, we want to help you understand when a fence may be covered by home insurance. Here are three scenarios in which a fence would be covered. 

Due to a Falling Tree

If your neighbor’s tree falls on your fence, or if a tree from your yard falls unexpectedly, the damage done to the fence or the cost to replace the fence may be covered by your homeowner’s insurance policy. The only time damage from a tree is not covered is if the tree collapsed or damaged the fence due to your neglect, such as failing to trim back your tree. 

Thanks to a Storm

Another common event that can damage your fence is a storm. Heavy rains or strong wind gusts can knock a fence over. If your fence topples due to a storm that has passed through, and your fence was otherwise in relatively good shape, homeowners insurance may pay for repairs or the cost to replace the fence. 

When Vandalism Is Involved

The final reason a fence may be covered by home insurance is due to vandalism. If someone spray paints your fence, the repair, cleaning or replacement costs may be covered by your homeowner’s insurance policy. 

Many homeowners do not realize everything that their homeowner’s policy may or may not cover. Here at Wellspring Insurance Network Inc. serving the greater Frederick, MD area, we are committed to helping homeowners understand the ins and outs of their homeowner’s insurance policies. Call us now with any questions you may have or to obtain a price quote for a new policy. 

How You Store Your Vehicle Affects Your Auto Insurance

Residents of Frederick MD Your Lives Just Got Easier!

The agents of Wellspring Insurance Network Inc. will be your insurance resource. 

Whoever thought there were so many things you had to know about automobile insurance? Well, the good thing is that you don’t have to you can trust us with your automobile insurance needs. All you have to do is relax and drive.


One of the things you might not have thought about is that it does matter where you store/park your car. If you park your car in your driveway or if your place of employment has a parking garage these are items that you want to let your insurance agent know. You may not have noticed when you are sitting down to write your policy your agent will ask you where the car is parked. The primary reason is that depending upon your neighborhood or where your employment is located, safety measures of the area come into play. Basically, if your car is at a greater risk of theft it may affect your insurance rate.

There is a never-ending source of wellness at our agency. At Wellspring Insurance Network Inc. we want to make certain that you don’t encounter unnecessary problems when it comes to an auto insurance claim. Make certain to contact us today by stopping in our office in Frederick, MD. If you prefer, you can contact us by telephone. This way you’ll be able to find out if your question can be answered or if you need to come in instead. The telephone number is 240-848-0355. In addition to automobile insurance, we also can answer questions about home insurance, commercial insurance, life insurance as well as specialty insurance products.