Month: August 2014 How can I get insurance for my golf cart? Posted on August 25, 2014July 16, 2014 by AgentInsure You may be one of those people that use your golf cart for a number of purposes beyond the putting green, or have a fleet of golf carts that are used on a frequent basis. In both instances, having golf cart insurance would be a good solution. How can I get golf cart insurance? There are a number of carriers that carry golf cart insurance policies. Using an independent agency to help you compare policies and coverage options is key. A good agent can help you decide what coverage would be best for you and your budget. What is included in a golf cart insurance policy? These policies have a number of coverage options that are similar to a car. Some of the options available may be bodily injury and property damage liability, collision, comprehension, accessory coverage, transport trailer, and roadside assistance. Keep in mind that a golf cart is a moving vehicle and having it insured to avoid any losses, damage or injury will be beneficial in the event something happens. For more information on acquiring a policy in the Woodstock, GA area, speak to the insurance professionals that can give you the best consultation and advice. Do not put yourself in a position where you need coverage and don’t have it! Contact an associate at Peter Laczko Insurance today! Do I have to pay for full RV coverage even during the months I’m not using my RV? Posted on August 19, 2014July 16, 2014 by AgentInsure If you are an RV owner that travels for only part of the year, you may be eligible for a type of insurance coverage that will change your policy to a partial one while you don’t have it on the road. This is a much less expensive option and can be an excellent choice for people who don’t use their RV year round. Woodstock, GA Recreational Vehicle drivers who travel for part of the year and stay home for the remainder of the time might be interested in a policy typically known as an RV storage policy. This policy allows you to place the coverage that you don’t need in a suspension mode while you are off the road. The storage policy will typically allow you to keep your emergency coverage, but you just won’t have the coverage for driving. For example, a storage policy would usually cover perils such as fires, theft, and vandalism since these are perils that can happen while your Recreational Vehicle is parked. Most things that can happen on the road would no longer be covered. By choosing a storage policy, you can still insure your RV for those things you need coverage for, but you’ll be able to save a good amount of cash since you’re suspending driving coverage. When you’re ready to drive again, just let your agent know and we can get you fully covered again. Don’t take a chance on being under-insured because you’re not certain about what RV coverage is right for your situation. Our agents are available for live quotes by phone or over the Web, so feel free to contact us anytime! If someone breaks into my RV and steals everything, will my RV insurance cover my stolen items? Posted on August 11, 2014July 16, 2014 by AgentInsure Going on a trip in an RV, or living the motorhome for any length of time, can mean that you are taking personal belongings with you. The problem is that you may or may not be covered against theft when you obtain a RV insurance policy. Basic Policies The requirements that are associated with a RV can vary based on the situation, but generally you are only required to obtain coverage that addresses liability concerns. You may not be required to obtain additional protection, though it may be recommended in most situations. Since a basic liability policy is only designed to address accidents that you caused and the damages that resulted from that situation, it will not offer protection against theft. A comprehensive plan may offer protection against theft, but the details and options that are available can vary. Protecting Personal Belongings Even though a liability policy has limitations, many insurance providers will offer coverage to address more than the minimum standards. Comprehensive coverage may offer protection against theft, but the details of making a claim and the amount of funding that is provided to replace the items can vary based on the type of plan that you purchased. You will want to read your policy before you assume that you can make a claim. There may be exceptions that limit your options or you may only have coverage to pay for the item after calculating depreciation values. RV insurance can take many different forms and the coverage that you obtain may vary based on the plan that you purchased. Contact us to speak to an agent to learn more about your options or to find a new policy that addresses your specific goals and concerns. If someone is borrowing my insured boat are they covered under my policy? Posted on August 5, 2014July 16, 2014 by AgentInsure If you carry boat insurance and you want to make sure that others are covered when they are borrowing it, you should speak to your agent to make sure your coverage is going to be adequate. In most cases, your state will have its own individual regulations about insurance for your boat, but policy structures are fairly similar no matter where you live. If someone who lives in your home, which would typically include your spouse and your children, is borrowing the boat, then they will usually cover under your own boat policy. However, this does apply only to immediate family. Thus, your second cousin who lives with you will not be covered under the policy in most cases. When buying boat insurance, you need to discuss the policy in detail with your insurer to make sure exactly what people will be covered by the policy. In general, the "immediate family" rule will apply, but every policy and every insurer does have their own distinctions and rules. Don’t take a chance on being without the proper coverage for those times you loan out your boat. To make sure anyone who drives it is covered, you can talk to one of our agents. We’re happy to provide you with multiple quotes from some of the top companies in the insurance field today, free of charge!