How Your Home Insurance Provides Protection for Family Parties

Part of the joy of owning your own home is inviting all your Woodstock, GA area friends and family to come over for a special celebration. If you ever worry about what would happen to your personal savings account if somebody was injured on the deck or in the pool, your home insurance policy from Peter Laczko Insurance Inc. is here to provide reassurance and protection.

Trip and Falls Do Happen

No matter how diligent you are in maintaining your home, it is always possible for somebody to trip on the front steps or slip around the pool.  They are called accidents for a reason. When it happens on your property, it is likely that you may be found responsible for the costs incurred in the emergency room and while your friend recovers. That is only fair, but not the end of the world.

Liability Coverage Takes Care of Medical Payments

Part of every home insurance policy is a liability section. This helps to cover the expense of seeking medical treatment and even for living expenses when somebody is injured on your property. You are generally responsible to pay for a minimal deductible while the insurance company takes care of the rest, up to an agreed upon maximum amount. 

Party On with Confidence

What does this mean? Feel free to open the doors of your Woodstock, GA home and welcome in your family for some fun over the long weekend. Since you have a home insurance policy from Peter Laczko Insurance Inc. you are protected from the unexpected incidents that may arise during any celebration. If you are wondering if your liability is sufficient, give our local insurance agents a call and we will be happy to review your policy today.

Covering Your Teen on Your Insurance in Woodstock GA

When your teen gets their driver’s license, it’s time to get them covered on your policy with Peter Laczko Insurance Inc. In Woodstock, GA, if your teen is driving your car, then they need to be on your policy.

The best way to keep costs down when insuring teens: Just make sure they’re a safe driver. The most important thing is keeping them out of accidents, for their safety, for your car, and for your rates.

Another way to bring your rates down: Ask about "occasional" driver coverage. If your teen is off at college or only drives the car a few times a year, there’s no reason to cover them as a primary driver, at primary rates.

You can also bring your rates down by keeping your teen’s grades up. Many parents attach driving vehicles to school performance. Likewise, advanced driver’s ed courses for teens can look really good to an insurer. You’re trying to establish a pattern of responsible behavior so that insurers know that your teen is less of a risk than most.

And of course, the more time you spend with your teen behind the wheel, the more you can help them to learn how to be a safe driver. Make time for your teen and help them improve their road game, day by day, one road trip at a time.

Peter Laczko Insurance Inc. can help you get a fair rate when you add your teen to insurance policy. If you’re in Woodstock, GA and you want a fair deal, give us a call and see what we can do for you.

Georgia’s Car Insurance Laws

Having proper coverage through auto insurance is a reality of owning a car and driving. Some basic knowledge about your state’s specific car insurance laws is also important to avoid fines, tickets, and other inconveniences. The state of Georgia has a few specific requirements that drivers should be aware of. These state laws apply to all drivers in the Woodstock, GA area. 


All drivers in Georgia must have liability insurance to protect against bodily injury and property damage. Liability is usually included with even the most basic car insurance policies, so as long as the car is insured, it should have sufficient liability coverage for Georgia. This type of coverage is necessary for an insurance company to pay out the costs of damages that can occur because of car accidents. 

Physical Damage to the Car

Damage can occur to your car from things like theft, severe weather, accidents, or a number of other ways. Collision insurance is usually required by the lender of a car loan, but the state does not require driver’s to be insured against damage to their own car. Other damages are covered by a policy usually called comprehensive coverage that covers most things that can happen besides car accidents. If the owner of the car does not have a loan or financing on the car, it is usually their discretion as to the extent of coverage they need to protect their investment in the automobile. 

For any other questions or concerns about car insurance in the Woodstock, GA area, please contact Peter Laczko Insurance Inc. Our agency provides customers with information and personalized policies for all of their driving needs. Peter Laczko Insurance Inc. knows the local laws, and agents can assist with keeping your car insurance and in compliance. 

Why Golf Cart Insurance Is a Smart Idea

Owning a golf cart can be a lot of fun and it can also add a lot of convenience to your everyday life. Whether you live in a planned community or have a lot of lands that you need to traverse, a golf cart is a great option. Even though these vehicles are a lot of fun, one must still behave in a responsible manner when driving one, and this sense of responsibility also includes obtaining insurance coverage. If it’s time for you to check out your golf insurance options in the Woodstock, GA area, Peter Laczko Insurance Inc. is here to help.

More Than Just a Toy

Golf carts have been known to tip over or go off the road and cause damage to lawns and plants. Liability insurance for your cart can help minimize the effect of such mishaps on your finances while keeping you in the good graces of your neighbors. Damage, vandalism, and theft of the vehicle may also be covered by your cart insurance. Whenever you are operating a motorized vehicle, no matter the type, it is a smart idea to carry liability protection. If you have passengers on your cart, you will want protection in case of an accident where there is an injury. Owners who have teenaged children or grandchildren operating their golf cart are especially vulnerable to mishaps and golf cart damage. Don’t be caught without the protection that you need to cover your golf cart!

Now is the perfect time to learn more about this type of insurance protection. If you are a resident of the greater Woodstock, GA area and would like to find out more about your options for golf cart insurance, call or stop by Peter Laczko Insurance Inc. today!

Is ATV Insurance Required In Woodstock, GA?  Peter Laczko Insurance Inc. Is Here To Help

Peter Laczko Insurance Inc. is here to serve Woodstock, GA and the surrounding areas and one of the most common questions asked has to do with ATV insurance. Namely, is this a required purchase that needs to be made in the Woodstock, GA region?

While there are laws that have been put into place to govern the operation of these vehicles in certain Georgia locations, there is no law on the books that requires a specific insurance policy for drivers. Those who operate their ATV in the state of Georgia are able to do so without carrying liability insurance.

However, ATV insurance still remains very important. ATV coverage is just like any other form of coverage that is considered. The motorist must decide on a policy that covers their specific usage of the vehicle and provides the necessary coverage for any other loved ones who may be utilizing the ATV.

Some motorists may wish to use their ATV on an everyday basis and others could decide that they are searching for a more recreational policy. Woodstock, GA ATV owners and operators are able to direct all of these questions to experienced Peter Laczko Insurance Inc. agents, who are on hand and ready to address such concerns.

Those who reside in rural areas and will be using the ATV for various forms of farming work are not going to have the same requirements as city dwellers looking to ride on the weekends. Meanwhile, local residents who are more likely to utilize their ATV for hunting or fishing related endeavors are also going to need coverage that caters to these specific needs.

Woodstock, GA residents who are looking to learn more about the assistance that Peter Laczko Insurance Inc. has to offer when it comes to ATV insurance are urged to stop by as soon as possible. 

Who Needs Travel Trailers Insurance

If you enjoy camping or taking long road trips, one great asset to invest in would be a travel trailer. When you have a travel trailer, you will have a comfortable place to relax, sleep, and even prepare meals. While a travel trailer can provide you with many great memories, they are also expensive assets that need to be properly covered by insurance. There are several reasons why someone would need to get travel trailer insurance

Protects the Asset

The main reason why someone would have travel trailer insurance is that it will help to protect their valuable asset. When you have a travel trailer, you always will have the risk of it being damaged by a fire, car accident, or any other type of loss. Since this can be a big purchase for people in the Woodstock GA area, making sure that you have appropriate coverage for your travel trailer is a necessity.

Complies with Agreements

When you have a travel trailer, you may need to take out a loan or a lease to finance the purchase of it. If you do take out any type of financing for your travel trailer, the lender will require that you carry insurance at all times. This will ensure that their collateral is properly protected.

If you have a travel trailer in the Woodstock, GA area, you should contact the Peter Laczko Insurance Inc. team to discuss your needs. The professionals at Peter Laczko Insurance Inc. will be able to give you more insight and guidance into what your travel trailer insurance needs are. They can then help you to get into a policy that provides you with the right level of coverage for your travel trailer.


Smart Tips for Winterizing your Motor Home

With winter fast approaching, you may be considering storing your RV until the turn of the season. Proper storage will ensure your motorhome is safe and secure until you’re ready to use it again in the spring. Here are a few tips to winterizing your RV for storage.

Inspect RV Inside and Out

Inspect your vehicle inside and out and have minor repairs done. Pay special attention to the roof, windows, doors, sidewalls, and seams. Reseal cracks or holes that can cause moisture to seep through and damage the interior. Once repairs are done, clean your RV inside and out so that it’s ready for travel in the spring.

Drain Water System

Drain all water from your pipes to avoid problems with water freezing and cracking water lines. Pumping antifreeze through the plumbing system can help expel water from the pipes. Follow the checklist for draining your plumbing system in your RV owner’s manual to ensure you’re doing it right.

Remove Batteries

Remove RV batteries during winter and keep them in a cool, dry location. Be sure to check the batteries periodically and charge them to full capacity when necessary to avoid problems with freezing.

Store RV in Safe Spot  

Choose a safe spot for storage, preferably an indoor shelter to protect your motorhome from the elements. If you’re going to park it on the driveway of your Woodstock GA home, find a spot where it’s less likely to get damaged by winter storms. Cover your RV to protect it from wind, rain, snow, ice and UV rays from the sun. A custom designed RV cover with straps will keep moisture out and protect the exterior from damage.

Keep Up Insurance Coverage

Talk to us at Peter Laczko Insurance Inc. about insurance options for storage. The right motorhome insurance coverage from Peter Laczko Insurance Inc. in Woodstock, GA will protect your RV against any eventuality while in storage.   

Jet-Ski Winter Care and Maintenance

In Woodstock, GA, the winters aren’t exactly harsh, but they may give you cause to put your jet-ski in storage for three or four months. The agents at Peter Laczko Insurance Inc. can give you tips on keeping your jet-ski in top condition while it is in sitting in storage. Allowing your jet-ski or any other motorized vehicle to set for long periods of time can be hard on the engine and cause it to run poorly when you fire it up the first time.

Winterize the Engine

Winterize the engine by following the instructions in your jet-ski’s manual. Drain as much of the water as possible out of your ski’s cooling system. Add a stabilizer to the fuel tank when you fill it. Let the jet-ski run for approximately 30 seconds to make sure it mixes thoroughly. Oil and lube the carburetor, seals, and spark plug cylinders to keep them from drying out. Remember to take the battery out of your jet-ski and store it separately.

Cover It Well

Gently wash your jet-ski removing any dirt or residue from the water. Use a gentle soap and soft rag to wipe it down from top to bottom. Take a dry cloth and remove any moisture or drops of water they remain. Let the jet-ski finish drying for an hour or so. Once the ski is dry, put a cover over your jet-ski and make sure it is firmly attached. Even if you are putting inside a storage unit, always make sure the cover is secure to prevent animals or moisture from getting inside.

The agents of Peter Laczko Insurance Inc. are always available if you have questions about jet-ski insurance policies or how to protect yourself and your jet-ski when it isn’t being used. If you live in the Woodstock, GA area, call and schedule an appointment today. They will go over your policy and make sure you are fully covered.

Common types of RV insurance.

Owning a recreational vehicle is considered fascinating since you can easily cruise anywhere around the country. Depending on the type of recreational vehicle that you have, you may or may not require an RV insurance.

With quite a number of recreational vehicles in existence, it is important to think of the right insurance cover given the fact that a normal auto insurance policy may not be suitable for you. Most recreational vehicles double up to be both a vehicle and a home. It is for this reason that you must include equal coverage that has the homeowner’s insurance policies.

Standard recreational vehicle insurance covers:

  • Bodily injury and property damage liability
  • Uninsured motorist
  • Personal injury protection
  • Comprehensive coverage
  • Collision coverage
  • Limited property damage
  • Property protection

Depending on the class of your RV, you might need more specialized coverage with a number of add-ons. This combined policy will help you reduce exposure to more risks and will really come in handy during the time of losses. Specialty coverage includes:

  1. Total loss replacement which is basically available only on preceding untitled RVs equal to one model year old. Any other RV is insured for an actual cash value or agreed value.
  2. Custom equipment. This is a vital coverage for RVs with upgraded custom parts. After upgrading your RV interior or exterior it is advisable to increase your standard limit.
  3. Vacation liability which is mostly available for pleasure users pays to a specified limit for property damage and bodily injury in case of an accident which occurs when the RV is in use as a temporary vacation residence.
  4. Personal effects which cover your belongings while on vacation in an RV.
  5. Roadside assistance covers towing of a disabled RV to the nearest qualified repaired facility.

RVs are popular modes of vacations for a number of Americans lately. Know whether you need RV insurance today and what type of cover to purchase by visiting us as at Woodstock, GA, Peter Laczko Insurance Inc. Our RV insurance experts will offer you affordable rates and you’ll definitely get the best deal.

What You Should Consider When Shopping for Boat Insurance in Georgia

Many times, boat insurance is not required, but it is recommended. As always, it’s good to be safe than sorry.  Unfortunately, tragic, unexpected incidences occur sometimes even when it comes to boat and watercraft accidents. These accidents can be tremendously costly when it comes to the coverage for the medical costs, the boat, on-water towing, and more. And as a result, families can be in financial peril without having adequate boat insurance coverage.

There are numerous things that should be taken into consideration to ensure accurate boat insurance coverage in the state of Georgia.  Whether you live in Woodstock, GA or another city in this state, hiring reputable and trustworthy insurance agents is the way to go. There are some things to take into consideration when it comes to the type of boat, the age of the boat, the boat size, adequate medical coverage, and more.  There are also other various situations to consider when it comes to getting proper boat insurance coverage, such as whether you should get liability or comprehensive boat insurance coverage, whether or not you should take a boating safety course, and whether or not you should get coverage for the collision and fuel spill clean-up.   

There is a lot to consider with boat insurance. To learn more about getting proper boat insurance coverage for you, contact Peter Laczko Insurance Inc. today. Located in Woodstock, GA,  Peter Laczko Insurance Inc. has agents who are highly trained, license, and bond with several years of experience. They know the ins and outs about boat insurance regulations in Georgia, and they can help you get adequate coverage today.