Author: AgentInsure

A Learner’s Permit And Car Insurance

Posted on by AgentInsure

Throughout Woodstock, Ga, there are plenty of things to keep you busy. With shopping, concerts, farmer’s markets and more, you are always on the go. As soon as you have a child that reaches driving age, they are going to want to be on the go as well. A learner’s permit opens up all sorts of issues with car insurance and you want to know how it’s going to impact your policy.

With someone in your house that has a GA learner’s permit, they need to be added to your car insurance policy. This will allow them to drive throughout Woodstock and beyond, as long as they have a licensed driver in the car with them.

Adding a young driver to your policy can be expensive and that’s why we have agents to help you find the best policy. We’re going to make comparisons between multiple companies so you can get a clear idea as to who has the cheapest policy.

Our agents want to make sure you have sufficient coverage with someone who has a learner’s permit. The young driver doesn’t have that much experience on the roads of Woodstock GA and therefore you have to consider higher levels of liability and other forms of coverage as well. This ensures that, in the event of an accident, you are not paying for some of the damages and hospital bills out of your own pocket.

Allow our agents to find car insurance that works for the needs of your household. You may have a young driver that you need to insure, but that doesn’t mean you have to pay a fortune. Affordable insurance is out there and we can help to find it.

Find out more about insurance and start getting quotes today!

Homeowner’s Responsibilities In Woodstock

Posted on by AgentInsure

When you live in Woodstock, GA, homeowner’s insurance is a must to keep you well protected. There’s shopping, dining, and a wide array of events held in the city throughout the year and this makes it that much more desirable to live in the 30188 ZIP code. With a farmers market through the winter and concerts in the summer, it’s no wonder you chose to make this city your home.

You don’t want anything to happen to your home and that’s why you have to make sure you are protected against everything. A homeowner’s policy can have all sorts of levels of coverage and if someone makes a personal injury claim against you, you want insurance to pay for it.

Why would someone file a personal injury claim? There are countless reasons, including:

– Leaving your home intoxicated

– Falling down your stairs

– Tripping on your walkway

– Hurting themselves out at the pool

It’s not just your guests that you have to worry about, but also solicitors, contractors, and anyone else who comes to your home, whether they were invited or not. While your home in Woodstock is going to be covered against at least the basics, you want to make sure it is covered against all that you want.

Don’t be shocked when your homeowner’s insurance denies a personal injury claim. If you don’t have the coverage you need for your home in the 30188 ZIP code, then allow us to help. Our independent agents can help you find the necessary coverage and explain all of the benefits to having more coverage.

Whether you live in the 30188 area of Woodstock or elsewhere in GA, your home needs to be protected – and we can help.

Call today and let us find you affordable insurance!

Top Things To Look For In Car Insurance Quotes

Posted on by AgentInsure

Woodstock, GA has a lot going on. There’s a vibrant Main Street with antiques, art, and local restaurants to enjoy. The city gets its fair share of rain and snow throughout the year and the population is growing annually. The best car insurance quotes are out there to save you money, though there are some things to look for within the quotes.

When you are in the 30188 area of Woodstock, it’s important to know all about car insurance.

What are the Levels?

Our agents will go over all of the levels within the quotes so you know what your levels are within each type of coverage. Knowing the levels will help to maximize coverage and prevent paying out of pocket when you are involved in an accident in the 30188 ZIP code – or anywhere else in the city. We take the time to find higher levels of coverage at affordable premiums.

What Coverage is Included?

Your car insurance quotes need to be comparable to one another and therefore they need to include the same level of coverage. Liability for property damage and personal injury are required by the state. However, you also have to look at collision and comprehensive coverage in GA to have complete peace of mind when you’re on the roads.

What are the Discounts?

When you live in the 30188 zip of Woodstock, GA, you want to ensure the car insurance quotes are inclusive of all discounts that you qualify for. This includes homeowner, multi-car, and other discounts. By talking to one of our agents, we can see to it that all discounts are included so you can get the best possible savings.

Contact our agents today to begin getting some of the best insurance quotes!

Boat Insurance – Woodstock, GA

Posted on by AgentInsure

Boat Insurance – Woodstock, GA

Woodstock is a small family town with two sections – Towne Lake and Historic Downtown. We’re lucky to have a bustling downtown, where there is something to do nearly every day/night of the week.

Us boat lovers spend a good deal of time at Victoria Harbour Marina gearing up for a fun filled day of boating on Lake Allatoona. There are 15 boat ramps throughout the lake area where you can stop to have a picnic, and enjoy other activities.

One of the biggest causes of property damage to your boat can come when you hit the boat ramp also known as a slipaway or a launch. It can be hard to judge the right angle to pull your boat in a spot near the dock especially for new boaters.

Does my Homeowners Insurance Cover my Boat?

Several homeowners’ insurance policies include decent coverage for small boats and boat motors. A homeowner’s rider is normally suitable for these boats. In addition, the majority of homeowner’s insurance riders only apply to the use of the boat in lakes, inland waterways, and rivers. Boat rider coverage rarely covers boats along the beach or outside of a coastal inlet.

Boat Insurance

It is always a good idea to purchase separate boat insurance. For extra protection, you can still include the boat rider in your homeowner insurance policy; you can never have too much insurance.

Of the three common types of boat insurance you’re going to want to purchase the most amount of insurance for property damage. Property damage insurance covers damage to the boat. If you hit the dock and your boat is damaged, your insurance may pay to have the boat repaired.

You may be amazed at how much damage can be done if your boat were to hit a boat ramp. The damage can a lot be more extensive than an ugly scratch.

It’s easy to find the best coverage for your budget by comparing insurance quotes with Peter Laczko Insurance online in minutes.

How to Compare Motorcycle Insurance Quotes in Woodstock, GA

Posted on by AgentInsure

If you live in the Woodstock, GA region and own a motorcycle, then you know the importance of protecting your bike with a motorcycle insurance policy. An insurance policy is a product that is designed to provide you the coverage you need to cover the cost of repairing damage to your bike. In order for you to get the best policy for your money, you will need to know how to compare your current policy with a new one.

How You Can Compare Your Policy with a New Policy

  • The first thing that you will want to take a look at is the liability limits. This protection pays for the damages to the other person’s vehicle and injuries in the event you are found at-fault in an accident. Make sure the levels are the same when comparing insurance products.
  • If your current policy has a helmet discount, then you will want to make sure that the new policy has the same discounts. Talk with your agent if you find that certain discounts are missing from your policy.
  • You will also want to compare the deductibles of both policies. If one deductible is lower than another, then there can be a large difference between the costs of the two policies.

There are a lot of things that go into making an effective motorcycle insurance policy. Your local agents can help determine the class and type of bike that you ride so your policy fits your insurance needs. Call us today and give us the opportunity to provide you with the information you need to make an informed decision regarding your insurance needs.

How is RV Insurance Different from Auto Insurance in Canton, GA ?

Posted on by AgentInsure

When you are looking for RV coverage in Canton, GA, you must consider the possibility that your needs will differ significantly for an RV when compared to a car. The reason is that an RV has different needs and more comprehensive risks that are not necessarily related to the use of the asset as a vehicle.

Vehicle Coverage

In general, cars and RVs will have similar needs when it relates to the use of the asset as a vehicle. An RV will need liability protection and basic coverage for common risks associated with driving. It may also be useful to purchase a collision policy to protect against crashes.

The differences primarily relate to the size of the vehicle and the possible risks that are associated with the size. An RV may need more liability protection when compared to other vehicles due to the risk of severe damage if you cause an accident.

Additional Coverage

Unlike a car, a RV may be used as a temporary or permanent home. An auto policy will have gaps in the coverage because the concerns of a homeowner are very different from the concerns of a car. When you invite guests into your RV, you want the liability protection to ensure that you can handle any accidents that arise. The same is true if personal items are stolen from your RV because it is more likely to have expensive items.

A RV is not the same as a car. You have more comprehensive needs, particularly in relation to a camping trip or staying in the vehicle for any length of time. To learn more about protecting your RV or finding the most appropriate RV coverage, contact us to talk to an agent today.

Does Homeowners Insurance Cover Sinkhole Damage in GA?

Posted on by AgentInsure

As a homeowner, you may have several concerns when it relates to the damages your property may face. Your home insurance should reflect your concerns in Woodstock, GA, which means that you will want to purchase a plan that addresses every concern that may arise. Although sinkholes can happen at any time, many home insurance policies will not offer coverage in the basic plan.

Risk of Sinkholes

Although a sinkhole can occur in any location and at any time, Georgia is not considered a high-risk state. As a result, it may be possible to add the coverage to your homeowner’s plan without spending a small fortune for the protection.

The risk of sinkholes can vary based on the location. Usually, it will occur in areas that have a large amount of ground water since the water below the surface of the ground can erode the rocks and dirt beneath the house.

Getting the Coverage

In most cases, a homeowner’s policy will not include coverage for sinkholes or damages that are related to sinkholes. If you are worried that there may be a risk, then you can add to the basic policy that you have purchased. Alternatively, you can purchase a separate policy to address the issue of sinkholes.

Adding the coverage to your plan will ensure that you are protected, even if you do not have high risk of accidents that are related to sinkholes.

There are several plans that address your needs as a homeowner, but most basic policies will not include sinkholes without adding to the basic plan. If you are concerned about the risk, you should read your policy and purchase additional protection if it is necessary. To learn more about protecting your home, contact us to talk to an agent today.

Home Insurance Coverage Plans in Georgia

Posted on by AgentInsure

Georgia residents have countless options when it comes to buying home insurance, and those options will vary depending on their location, situation, and the risks associated with living in a specific area. These tips will help you choose the right home insurance plan for your family.

1. Know your home’s value

Have a local builder provide an estimate of your home’s value. How much would it cost to rebuild from the ground up if there was a disaster? Having this number in mind will help make sure you purchase enough insurance to protect your property.

2. Ask around

Consider more than price when purchasing insurance for your home. Having great coverage might not be enough if your agent takes forever to actually file your claim, so research people’s experiences with various insurance agencies and their claims process before you decide.

3. Read your policy

Before you decide on a policy, read through it and ask questions on any unclear points. If you don’t understand the legal jargon, ask your agent to explain it until you do. Knowing exactly what is and isn’t covered will save you time and headaches later on. It’s also smart to reread your policy before you file a claim so you know exactly what is covered and what to expect.

4. Have Valuable Items Appraised

It’s not enough to know the value of your home. You’ll also want to make sure that particularly valuable items in your home, from electronics to artwork to jewelry, are covered, because most standard policies have fixed amounts they’ll pay for items that fall into each category. Know how much those items are worth and talk to your agent to make sure your insurance is adequate to cover them if they’re stolen; you may pay a few extra dollars for the coverage, but it’s almost always worth it.

What is the Average Cost of a Motorcycle Insurance Policy in Kennesaw, GA?

Posted on by AgentInsure

When you are considering the purchase of a motorcycle, it is important to evaluate all of the potential costs associated with the new property. In many cases, motorcycle insurance in Kennesaw, GA will vary based on your goals. Despite the personal details, understanding the factors that will impact your rates can make it easier to select an appropriate plan.

The Policy

Averages that are associated with any vehicle will depend on the type of policy that you are purchasing. If you only buy the state minimum, then you may not pay much for coverage and the averages will usually decrease. On the other hand, a comprehensive policy will usually cost more and the average may adjust accordingly.

You should always consider the type of policy that you are planning to purchase before you worry about the averages. Overall, the average cost is based on comprehensive, collision and liability coverages, and may not be an accurate figure for individuals who do not want full protection.

Your Personal Details

Along with the type of plan that you are considering, the personal data that an insurance company uses to evaluate the risks can also contribute. For example, young motorcycle riders may face much higher rates when compared to older and more experienced riders. The motorcycle insurance costs can differ significantly between individuals due to the unique factors that impact the risks associated with the individual.

There are a variety of policies that are designed to address the needs of a motorcycle owner. The key to finding the right plan at an affordable rate is understanding the factors that contribute to the cost so that you can get the best rate for your current situation. To learn more about your options, contact us today.

Best RV Insurance Agents in Woodstock, GA

Posted on by AgentInsure

It’s one of the most rewarding pastimes out there: hitting the road in your RV and driving wherever the journey takes you. But that dream vacation (or weekend) could end disastrously for your getaway and your finances if you don’t have adequate RV insurance.

Finding the best insurance agents to keep you covered whether you’re in Woodstock, GA or far away from home doesn’t have to be a headache. Learning about your RV insurance options isn’t all that bad, either. These tips will help simplify the process.

Types of Coverage Available

Total Loss Replacement: This type of coverage usually only applies to new RV’s (as in, one year old or younger). Total loss coverage will replace your RV if it’s completely totaled.

Liability: Much like auto insurance coverage, liability covers bodily injury to people in or near your RV and other people’s property damaged by your RV.

Conversions and Rare RV’s: If you’ve converted a bus into an RV or are the proud owner of a classic Airstream, you might need a slightly different type of protection. Insurance agents call this "agreed value coverage," and it means you’ll agree on an amount the vehicle is worth when you sign the policy.

Full-timer Coverage: If you live out of your RV full-time, very specific policies are available to cover the additional risks associated with long-term RV living. These policies look more like a homeowner’s policy than auto insurance.

No matter the option you choose, you’ll be glad you took the time to do your research and compare policies. Talking to an independent agent in the Woodstock area is one of the best ways to get an idea of the specific coverage you need for your situation, so don’t hesitate to call or talk to us!