Author: AgentInsure

Home Liability Coverage Benefits

Posted on by AgentInsure

You want to be a responsible homeowner in Mountain Park, Georgia. You fix up your home, and keep it as safe as can be. There is still the possibility of someone becoming injured. It may be a trip on the porch stairs or it could be a dog bite. There is no telling how person could be injured, no matter how safe you may try to keep your home.

There are home liability coverage benefits available within your homeowner’s policy. This allows you to file a claim so that the insurance company pays for the various expenses involved with an injury so that it does not become your financial responsibility.

Various limits can be established on this coverage. The higher the limit, the less likely you are to spend money out of pocket. As the homeowner, you will often be found liable for a person’s injuries. By having the coverage, you can avoid paying such expenses as:

  • Medical bills
  • Pain and suffering settlements
  • Lost wages
  • Death benefits
  • Lawyer costs

Even if it is a family member or friend, if someone is injured severely, they are likely going to get a lawyer. This is because they want to look out for their best interests. They know that if they need to go to the hospital, medical bills are going to add up quickly and they may be out of work for weeks.

By exploring your home liability coverage benefits more thoroughly, you can make sure that the limits are sufficient so that you can minimize the money you pay in the event someone hurts themselves on your property.

Call us at Peter Laczko Insurance Inc. today to discuss home liability coverage benefits available to you in Mountain Park. It can be the easiest way to ensure you are protected in your Georgia home.

 

 

Safer Winter Driving

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Mountain Park, GA does not typically see the severe winter weather of the northernmost states, but even a small amount of snow or ice can impair a driver’s ability to reach his or her destination safely. Peter Laczko Insurance Inc. offers tips on how to safely navigate various winter driving conditions.

Ice

Driving on ice is very dangerous. If icy roads are present, plan to stay home. Give roads time to thaw before attempting any travel. If you must travel for some reason, try to do so after road crews have applied salt and gravel to driving surfaces. Always drive as slowly as possible in icy weather.

Snow

Snow creates several issues for drivers. Blowing snow may create drifts in the road which can send a car into a spin or even cause a vehicle to come to an abrupt stop. Drive slowly in snow, making sure headlights and windows are clear.

Slush

Melting snow creates a dirty, slushy mix which can cause problems for drivers. Cars can hydroplane on wet surfaces, creating a hazardous scenario for drivers, passengers and pedestrians. Do not assume that melting snow means it is safe to drive the maximum posted speed limit. Continue to use caution until all roads are clear.

High Winds

High wind gusts can blow tree limbs, wires and even other vehicles into your path. Keep plenty of room between your car and other vehicles during high winds. Try to avoid driving near high-sided trucks as they will take the most impact during windy conditions.

If you need more information on arriving safely at your destination during inclement weather, or for a no obligation quote on auto insurance, contact Peter Laczko Insurance Inc. today. Our independent insurance agency will be happy to help you navigate your auto insurance needs.

First Time Homeowners Winter Tips

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A winter nightmare that causes home damage comes from broken water pipes. Water that does not flow becomes ice that breaks systems. Water pipes can burst. Pipe connections hidden in the walls can break apart. Air conditioning units can suffer damage.

Winter Storms
Strong winds mixed with ice and snow create special risks for homeowners. The weight of the snow and ice may break trees, down power lines, and cause unexpected damage to a home. When the power goes out and home heating systems are not operating, this increases the chance of water pipes bursting.

Once the power comes back on, and the home heats up again, the water starts to flow and major damage might happen from the leaking water.

It is a good idea when facing this danger, to turn off the main water valve to the house, drain all the pipes by turning on the faucets and flushing all the toilets. Empty the water heater. Remove water from any water filtration systems. Turn off the water supply to the air conditioning unit, clean out water from the pan, and drain the pipes.

Some winter damage may be unavoidable. However, water damage from bursting pipes is preventable when taking the proper steps to protect a home, especially when a person is going to be away from the home for an extended period.

Dangerous Winter Road Conditions
An extra risk when driving in winter is a condition called “black ice.” This type of ice on the road is very difficult to see. When car hits a patch of this ice, it may suddenly go out of control. Use caution when passing under an overpass. This is a potential area for this type of ice.

Be sure to contact Peter Laczko Insurance Inc. in Woodstock, Georgia for all your home and auto insurance needs.

Independent Insurance Agents Make a Difference

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Independent insurance agents make a significant impact on clients because they have access to a wealth of information that other companies do not. They are well-trained professionals that are versed in the language of insurance policies and procedures. The agents can give you an unbiased direction with the type of coverage you may need. Independent agents have the ability to search through dozens, if not hundreds of insurance company records and locate several options that will fit your needs. For example, if you are in need of auto insurance for your recreational vehicle, the independent agents can research the type of insurance through many different companies and accumulate options for you to choose. With this method, it may be less expensive than to use a captive agent who will sell you a policy through his or her employer. Captive agents have available to them only their employers coverage and will not be able to give you the best possible selection. Independent agents will also be able to help you process claims and review policy protocols and procedures in case of an accident or injury.

Peter Laczko Insurance Inc. is an independent insurance agency in Woodstock, Georgia. The agency offers a wide selection of insurance options, including commercial, auto, home, boat, RV, and specialty insurance policies. Because the agency is independent, they are not obligated to one company. The agency is dedicated to helping customers develop and attain the perfect plan for their needs.

Take advantage of the independent insurance agents at Peter Laczko Insurance Inc. because they will offer you the information you will need to make an informed decision about your insurance coverage.

Ways To Take Care Of Your Car In The Fall

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As the fall months approach is Woodstock, there are various ways for you to take care of your car. This will ensure that your car maintains high performance and that you can drive with peace of mind knowing that it is capable of withstanding all of the road conditions ahead.

Check Your Brakes

Your brakes need to be checked and this can be as simple as bringing your car into a location that specializes in brakes. They will check the rotors, drums, and linings.

Check Your Tires

Your tires need to be checked for both tire pressure and tread depth. If there are bald spots or bulges, your tires may need to be replaced.

Schedule an HVAC Inspection

An HVAC inspection should be scheduled so that you can make sure that your heating and ventilation system is working properly. Heating is important for your interior comfort. It is also going to help you defrost windows.

Make Some Replacements

The fall can be the perfect reminder to make some replacements within your car. If it has been a while since you have last replaced your battery (three years or more), now is the time to do so. It is also a good idea to replace the cabin air filter as well as wiper blades so that you are prepared for the colder weather.

Ultimately, the more you do in the fall, the easier it will be to prepare for the winter months. The weather can be harsh and you want to make sure that your car is capable of handling everything.

Call us at Peter Laczko Insurance Inc. today so we can help you find a policy that is affordable and has sufficient coverage. This way, you can have peace of mind in Woodstock, regardless of what kind of vehicle you drive.

 

 

Top Discounts for College Students

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When going to college, there is much to think about. From keeping up with your class schedule to making sure you have proper transportation to make it to and from campus, one of the last things on your mind is probably auto insurance. Fortunately, though, it’s fairly simple to understand auto insurance and how being a college student can lower your rates. 

Ask for a student discount

During high school and college, many insurance companies provide top-notch discounts for keeping your grades up. The exact GPA that you will need to maintain will be determined by your insurance provider, but nonetheless, you should do your best to keep your grades as close to a 4.0 if at all possible. The better your grades are, the further you will be able to go in your school and career endeavors. 

Ask for volunteer discounts

Some insurance companies love to give back to the community by providing discounts to students who perform volunteer work. The best way to determine if your provider offers this type of discount is to simply ask. From volunteering at local day cares to picking up trash off the side of the roads, there are many ways to put in volunteer time, and best of all, many of these ways will directly relate to your classes you’re taking in college. 

If you would like to learn more about going to college and receiving discounts on your auto insurance premiums, don’t hesitate to reach out and visit the Peter Laczko Insurance Inc. website today. You can also speak with an insurance agent to discover any other discounts that you may qualify for. 

Give Your Ga Home Some TLC This Fall

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Your home in Georgia should always get some TLC. It’s part of being a responsible homeowner. If you are not sure of what you should be doing before the fall months hit, there are some tips below.

Prep for the Cold Weather

The cold weather is going to be here before you know it. You can prep by making sure that caulk and weather stripping around your doors and windows is in good condition. Otherwise, you may want to take care of this so that cold air isn’t getting inside.

If you have cracks in your driveway, you may want to have these filled and sealed so that they don’t get bigger once the freezing temperatures hit them.

Save on Your Energy Bill

You should also be looking for ways to save on your energy bill. You don’t want to run your heater nonstop. Have the air-conditioning company come out and look at your heating system to make sure that it is functioning properly. You can also start to reverse your fans so that the warm air is distributed more effectively.

Schedule Inspections

A few inspections should be scheduled as you prepare to go into the fall months. This includes not only the air-conditioning company, but also the roofing company so that you can see if there are any loose or missing shingles.

Do Some Cleaning

Finally, you want to do a little bit of cleaning. This includes cleaning out your chimney if you have a fireplace, as well as cleaning of your gutter so that you don’t have to worry about an ice dam forming.

Contact agents at Peter Laczko Insurance today to learn more about home insurance. We can find quotes for your home in Lebanon, and ensure that you have coverage to enjoy peace of mind all year long.

 

 

Clear Out Clutter with a Garage Sale

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There are few better ways to get rid of extra stuff that you have lying around than to hold a garage sale. Not only do you get to unload some things you no longer need, but you also earn some cash in the process. Have a few tips on how to clear out your clutter with a garage sale.

Clear Out Clutter

When holding a garage sale with the intent of clearing out some of your clutter, it’s important to remain focused on the main goal of the sale. While it’ll be nice to get some cash, the main purpose of the garage sale is to get rid of items you no longer need. To effectively do this, you should:

  • go through your entire house looking for things to sell
  • price everything low to maximize the chances of things selling
  • donate anything that doesn’t sell to a charity

The final tip, bringing donating items to a charity, is especially important. If you’re holding a garage sale to get rid of things, don’t bring any unsold items back into your home. Take them directly to the nearest charity in Woodstock, GA.

Update Your Home Inventory List

After your garage sale is over, you should update your home inventory list. We at Peter Laczko Insurance Inc. recommend to all our clients that they maintain an accurate list of the personal belongings in their home. Having a list on hand can make filing home insurance claims easier, but it’s important that the list is up to date. Anything that sold during your garage sale should be stricken from your list.

If you have any questions about creating a home inventory list, feel free to contact us. Even if you don’t have an insurance policy with us, we’d be happy to help you make sure your personal belongings are protected by our homeowners insurance and that your home inventory list is accurate. To get in touch with us, send us a message online.

 

 

Summer Safety Tips For Your Pet

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Lebanon, Georgia is a great place to live. Your pets probably enjoy living there, too. During the summer, it can heat up, and that means in order to keep your pets enjoying where they live, you want to focus on some safety tips.

One of the biggest tips out there is to never leave your pet inside of a parked car. As dogs pant, all of the hot air stays trapped inside the vehicle, and this can cause even more health problems. If you are going anywhere, it’s best to take your dog with you, or keep someone in the car with your dog so that the engine can continue to run.

You also want to make sure that your pets have constant access to water. Many dogs and cats will dehydrate during the summer because the temperatures are considerably hotter than they are throughout the rest of the year. You want to keep water available when they are inside, outside, and when traveling alongside of you.

Concrete and pavement can get very hot, and the paws of your pets are very sensitive. Purchase booties or adhesive paw pads to provide better protection as they walk along the concrete.

There are more bugs during the summer than any other season, and this means more fleas and ticks threatening your pet. Mosquitoes also transmit heartworm, which is a major pet killer. Make a trip to your vet in order to talk about preventative medication and get your pets on them immediately.

There are plenty of ways to enjoy the summer, but you need to practice safety with your pets at all times.

Call now and insurance agents at Peter Laczko Insurance Inc. can help you find a policy that makes sense for you, your family, your pets, and your budget.

 

Teaching Your Teen to Drive the Safe Way

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You taught him how to walk, how to swim, how to ride a bike, and now he’s much older and it’s time to teach him to drive. There’s no need to be nervous. Millions of teens each year get their licenses to drive and they go without getting involved in accidents. Just remember, the more practice your teen has, the better his driving skills will be. Here’s a quick look at a few other tips for teaching your teen to drive the safe way in Lebanon, GA.

Get off of your phone

When you’re driving, your teen is watching you. Watching how you turn on turning signals, how you switch lanes, and even how you use your cell phone. This is why it’s so important to put the cell phone down and not use it while behind the wheel of a car. You must lead by example, and this includes showing your teen that it’s not safe to use the phone while driving. 

Always use proper signals and seat belts

If you don’t use turning signals, your teen is going to notice. You need to ensure that you take heed to all traffic signs and that you use a turning signal and hazards anytime they are needed. In addition to using proper signals, you’ll want to lead by example by putting your seat belt on each time you get into a vehicle, regardless of whether or not you are driving. Seat belt statistics prove that they save lives. 

To learn more about the many ways you can teach your teen to drive the safe way, visit the Peter Laczko Insurance Inc. website today.