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.