Homeowners Insurance for Florida, Georgia, Texas & Beyond

Peter Laczko Insurance makes is easier to protect your personal and commercial valuables by providing you with affordable policies that match your budget! Contact Peter Laczko Insurance at (888) 883-1650 for policies that also protect your home, rental property, business, and fleet vehicles.

Homeowners' & Umbrella Policies Homeowners' insurance provides financial protection against loss of personal property or your dwelling. A standard policy insures your home and the things you keep in it. Homeowners' insurance is typically a package policy, which means that it covers damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damages caused by household pets.

Damage caused by most disasters is covered, but there are exceptions. The most significant exceptions are damages caused by floods, earthquakes (in some states), hurricanes, and poor maintenance. You must buy two separate policies for flood and earthquake coverage and, in some instances, you may need a separate wind storm policy for hurricanes. Maintenance-related problems are your responsibility.

Types of Coverage for Standard Homeowners' Policies

Renters' Insurance
Renters' insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. Because, in most cases, renters' insurance covers only the value of your belongings, not the physical building, the premium is relatively inexpensive when compared with a homeowners' policy. By purchasing renters' insurance, your possessions are covered against losses from fire, smoke, lightning, vandalism, theft, explosion, windstorms, and water (not including floods). Like homeowners' insurance, renters' insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member, or your pet. It also pays legal defense costs if you're taken to court.

Commercial Insurance
Business owner policies combine protection from all major property and liability risks in one package. Packaged policies are created for businesses that generally face the same kind and degree of risk. Larger companies may purchase a commercial package policy or customize their policy to meet any special requirements they may have. Business owner policies do not cover professional liability, auto insurance, workers' compensation, or health and disability insurance. You'll need separate insurance policies to cover these subjects.

Business Owner Coverage

• Liability Protection
• Buildings & Company Assets
—Covers Company's Legal Responsibility
for Harm Caused to Others

• Income Loss from Fire or Other Catastrophe
—Includes Extra Expenses from Operating out of a Temporary Location

Homeowners Insurance for Florida, Georgia, Texas & Beyond

We provide competitive insurance rates to customers in the following states:

Florida, Georgia, Alabama, District of Columbia, Colorado, Idaho, Indiana, Louisiana, Michigan, Mississippi, North Carolina, South Carolina, Tennessee, Texas, Ohio, Oklahoma and Utah.