What Happens If Your Boat is Damaged in a Hurricane and Also Causes Property Damage?

Boat owners know they need insurance to protect their boat and its passengers when it is out on the water. However, not all boat owners are aware of all the risks that come from a hurricane. Hurricanes not only can destroy boats that are docked, they can move a boat to destroy other property as well. It is important to make sure you have adequate coverage for the special risks caused by hurricanes.

When your boat is moored to a pier or dock and hurricane winds or a high tide comes up, suddenly the risk of damage can be very high.  You do not have to only worry about your boat in such weather, you also have to worry about what happens if your boat breaks free and causes property damage when it is suddenly let loose in an out of control condition.

Boat owners are responsible for property damages caused when a boat breaks free from its moorings and careens out of control. This is why it is important to make sure you have adequate insurance coverage. If a boat comes free from its moorings and floats inland to crash through the window pane glass of a beautiful home, destroying the living room; the boat owner has liability for the damages.

It is always a good idea for boat owners to consider all of the risks about what might happen in a major storm and have as much protection with boat insurance as possible to cover all the contingencies.

The old adage "Better to be safe than sorry," applies to boat insurance as well. This means having adequate coverage for boat insurance considers all the possible things that can go wrong and covers as much as possible. This is the wise way to deal with this issue.

Contact your agent at Peter Laczko Insurance Inc. in Woodstock, GA for boat insurance right now, before hurricane season starts.

How Motorcyclists Could Benefit from Roadside Assistance

Motorcyclists are just like drivers when it comes to insurance. They need a policy that protects them and other motorists on the road. At Peter Laczko Insurance Inc., serving Woodstock, GA and the surrounding area, you’re able to get a customized policy that suits your needs. Bike owners are even able to opt for roadside assistance that can help in the event something happens to your motorcycle.  

1. Motorcycle May Break Down

Whether you routinely maintenance your bike or not, it’s possible it will break down. This is especially the case if your bike is older. You could find yourself stuck alongside the road with a broke down bike and no way to get home. With roadside assistance, you might be able to get back up and running and on your way, if something happens to your bike.  

2. Accidents Happen

You might get into an accident while you’re riding. It could entail another motorized vehicle or just your motorcycle. If it’s just your bike and not a major accident, no emergency responders will show up. Roadside assistance will respond to you and quickly. They might be able to repair your bike enough that you can make it home and take it into the shop. If need be, they’re able to tow your bike to get it fixed.  

3. Expense to Tow Your Bike 

Keep in mind, if we can fix your motorized device on site, you won’t have to pay for the expense to tow your bike. You won’t have to try to find a ride home either, which can cost you. Plus, finding a way home can be stressful.  

Find a bike insurance policy with roadside assistance that’s tailored to your needs by contacting Peter Laczko Insurance Inc., serving Woodstock, GA and the surrounding area, by calling 678-833-2860 today.