Protect Your Home Insurance and Avoid Liabilities During the Holidays

It’s true. Your home insurance protects you from mishaps throughout the year. Damage stemming from natural disasters, fires, and incidental losses may all be covered by your policy. During the holidays, it’s easy for these mishaps to occur, but it’s even easier to prevent liabilities.

Fix Walkways

If you anticipate having guests at your home, then you have to prepare your home. One of the most common overlooked problems with a home is its walkway. Cracks and missing stones can trip guests and cause them to be injured. If this happens, you may be reliable. As such, take measures now to prevent potential liability issues with guests in Woodstock, GA.

Remove Ice from Your Walkway

Another common holiday problem facing homeowners in Woodstock, GA is ice. Winters in Georgia can lead to ice accumulating on your driveway and steps. If you don’t remove the ice, and someone slips and falls, you may be sued. The solution to the problem is as simple as removing the ice and salting your driveway and porch.

Don’t Let People Drive Intoxicated

Did you know you may be responsible for someone getting into an accident after they leave your home? If you serve spirits and a person gets into an accident leaving your holiday party, the victim may be able to sue you. You can avoid this problem by preventing people from driving after they’ve had adult drinks. To make it simple, become a designated driver at your holiday party. As the designated driver, you reduce your liability risks.

With the holidays around the corner, you don’t want to ruin your event by creating liability issues. Instead, take measures to protect your home to ensure everyone remains safe this year. Additionally, if you would like to know what is covered by your home insurance policy, we encourage you to give us a call. It’s better to be safe than sorry when it comes to having enough home insurance coverage.


Home Insurance Gaps That You Need to Know About

You buy home insurance to protect your home from problems that may crop up. After all, you don’t want a fire or other accident to leave you homeless or on the hook for costly repairs. However, the typical home insurance policy may not cover everything that you think it does. Here are some common home insurance gaps that you need to know about in Woodstock, GA.

Expensive Collectibles or Other Items

If you have a nice art collection, coin collection, or just some pricey jewelry, you definitely want to check with your agent to make sure that those items are covered on your policy. You may need to purchase an insurance rider to make sure that those costly losses are covered in case of fire or theft.

Pools and Trampolines

Some insurance policies will not cover accidents that occur on trampolines or in pools. You should check with your agent at Peter Laczko Insurance Inc. to make sure that there are no exceptions on your policy for these types of accidents. If so, you’ll want to purchase additional insurance to protect yourself from a lawsuit should there be an accident on your property on a trampoline or in the pool.

Inadequate Coverage

Think about what’s in your home and look over your policy. Could you replace all of your possessions for the maximum personal property loss listed on your policy? When you start considering electronics, firearms, jewelry, and the possessions of four or five individuals, you may realize that your coverage is not enough to replace all your stuff if your home was a total loss from a fire or natural disaster.

Home Business Expenses

If you run a business out of your home, you may need an additional policy for your business property because your homeowner’s policy is not set up to cover business items.

Flood and Earthquake

Many homeowners policies do not cover damage due to flood or earthquakes. You should talk to your agent about buying flood or insurance coverage to protect yourself if this were to happen to you.

If you live in the Woodstock, GA area, contact Peter Laczko Insurance Inc. to discuss common home insurance gaps.