Month: September 2018

What Protection Does Your Home Policy Provide for Items You Have in Storage?

Posted on by AgentInsure

Many people in the greater Woodstock, GA area find that they have more possessions than will fit in their home or apartment. Whether you are a renter or an owner, a comprehensive policy can provide protection for your items, no matter where they may be. The professional team at Peter Laczko Insurance Inc. are here to review your current policy or to help you choose your first home owner or renter’s policy. If you are unsure of the level of protection that you have or that you need, we are here to help!

Protect Your Possessions, No Matter Where They Are

If you are downsizing, or are just cleaning out some clutter from your home, you may find that a storage solution is necessary for your belongings. There are insurance policies available, for both homeowners and renters, that need protection for items that are both at home or in storage. A comprehensive policy will provide the protection you need for all of your personal items. One thing to note is that your home or renters insurance policy will likely not provide coverage of your items as they are being transported from one place to another via a moving company. During your home insurance policy review be sure to inform your agent of any plans that you may have to relocate and how your items will be transported and they can address your individual situation.

Now is the time to make sure that you have the coverage that you need to protect your possessions, whether they are in your home or at a storage facility. If you are in the greater Woodstock, GA area call or stop by the Peter Laczko Insurance Inc. offices today and we will help you put the necessary coverage in place!

What to Know about Insurance and a Stolen Car

Posted on by AgentInsure

If your car is stolen in Woodstock GA, you will be covered by insurance if you have comprehensive coverage. Liability coverage and collision coverage will not help you if your car is stolen. Comprehensive coverage is designed to protect you from damage to your vehicle in a non-collision event. This coverage is not required, so you should make sure you have it if you want to use this. It can be a common misconception that your home policy will cover your stolen vehicle, especially if you car is stolen from your home.

The first step after your car is stolen is to file a police report, and then contact your insurance agent at Peter Laczko Insurance Inc. to start the claims process. When filing a claim, you will need the certificate of title for the vehicle, location of the keys before and after theft, name and information of people that have access to the vehicle, and description of the vehicle, which includes mileage, service records, and upgrades. If you have receipts for upgrades, this is even better. You will also need a list of personal property that was in the vehicle. Your homeowners or renters insurance may provide additional coverage for personal items that are stolen. If you are financing or leasing your vehicle, you need that contact information and need to let them know as soon as possible. Many insurance companies will require a waiting period for the claim to be finalized, in order to see if the police can recover the vehicle. The wait usually begins once the car is stolen, not when you file the claim. If you car is recovered, your comprehensive coverage will cover damages to your vehicle if it’s not a total loss.  

Contact an agent at Peter Laczko Insurance Inc. serving Woodstock, GA to get an auto insurance quote, or to add comprehensive coverage to your policy.