Spring and summer are perfect times to take your boat out on the water and enjoy all of the lakes, rivers, and ocean access that you can get in Woodstock, GA. However, before you head out to your favorite spot and start a weekend long fishing extravaganza, it’s important to consider your insurance options.

In most cases, you’re looking for liability only insurance for your boat, unless you have a particularly expensive or special kind of boat. Liability only means you’re not getting hit with the payments that come if you cause an accident or run into something. This doesn’t cover any damage to your boat, although if the other boater has liability insurance, you would get repair coverage that way.

If you have a relatively inexpensive boat, it’s probably not worth getting anything more than liability. If you have a yacht, power boat, or another high end boat, look into comprehensive or collision coverage. The first option provides you with protection for your boat and your assets on the boat against any situation that doesn’t involve colliding with another object or person. If you’re worried about the many ways your boat could end up damaged, this is the insurance option for you.

The online insurance quotes system takes a lot of frustration out of figuring out exactly what you want and need from the insurance company. You get quotes quickly, letting you know what type of policy you can put on your boat. If you’re dealing with lots of inexperienced boaters out on the water, it’s worth its weight in gold so you aren’t paying more out of pocket.

Renting out your basement is a great way to cut down on the amount you pay on your mortgage, or even eliminate it entirely if you live in a desirable enough area and you build out your basement. However, a standard homeowners insurance policy does not typically cover renters, even when you’re occupying the same building. If anything happens to the basement, such as flood or fire damage, the insurance company may refuse your claim or cancel your policy entirely.

You need a landlord insurance policy which covers property damage for the part of the home that’s getting rented, coverage for natural disasters, and other claims that occur due to renting out property. This commercial insurance package may bring down the cost of your homeowners insurance if you get it through the same company you already have a policy with. You may also want to pursue other commercial insurance policies if you are getting into the landlord business instead of simply renting out spare rooms in your home. This way, you already have experience with commercial landlord insurance before you pick up additional properties.

Another advantage to picking up landlord’s insurance is income protection in case a natural disaster or a problematic tenant causes enough damage to a property that it cannot be rented out for up to a year. You receive the fair market rent payment for the apartment until its ready to get rented out again. Landlord’s insurance also provides financial protection against litigation by a tenant.

Talk to your local independent agent based out of Woodstock, GA to find out what landlord insurance packages provide you with the protection you need

You may be one of those people that use your golf cart for a number of purposes beyond the putting green, or have a fleet of golf carts that are used on a frequent basis. In both instances, having golf cart insurance would be a good solution.

How can I get golf cart insurance?

There are a number of carriers that carry golf cart insurance policies. Using an independent agency to help you compare policies and coverage options is key. A good agent can help you decide what coverage would be best for you and your budget.

What is included in a golf cart insurance policy?

These policies have a number of coverage options that are similar to a car. Some of the options available may be bodily injury and property damage liability, collision, comprehension, accessory coverage, transport trailer, and roadside assistance.

Keep in mind that a golf cart is a moving vehicle and having it insured to avoid any losses, damage or injury will be beneficial in the event something happens. For more information on acquiring a policy in the Woodstock, GA area, speak to the insurance professionals that can give you the best consultation and advice. Do not put yourself in a position where you need coverage and don’t have it! Contact an associate at Peter Laczko Insurance today!

If you are an RV owner that travels for only part of the year, you may be eligible for a type of insurance coverage that will change your policy to a partial one while you don’t have it on the road. This is a much less expensive option and can be an excellent choice for people who don’t use their RV year round.

Woodstock, GA Recreational Vehicle drivers who travel for part of the year and stay home for the remainder of the time might be interested in a policy typically known as an RV storage policy. This policy allows you to place the coverage that you don’t need in a suspension mode while you are off the road.

The storage policy will typically allow you to keep your emergency coverage, but you just won’t have the coverage for driving. For example, a storage policy would usually cover perils such as fires, theft, and vandalism since these are perils that can happen while your Recreational Vehicle is parked. Most things that can happen on the road would no longer be covered.

By choosing a storage policy, you can still insure your RV for those things you need coverage for, but you’ll be able to save a good amount of cash since you’re suspending driving coverage. When you’re ready to drive again, just let your agent know and we can get you fully covered again.

Don’t take a chance on being under-insured because you’re not certain about what RV coverage is right for your situation. Our agents are available for live quotes by phone or over the Web, so feel free to contact us anytime!

Going on a trip in an RV, or living the motorhome for any length of time, can mean that you are taking personal belongings with you. The problem is that you may or may not be covered against theft when you obtain a RV insurance policy.

Basic Policies

The requirements that are associated with a RV can vary based on the situation, but generally you are only required to obtain coverage that addresses liability concerns. You may not be required to obtain additional protection, though it may be recommended in most situations.

Since a basic liability policy is only designed to address accidents that you caused and the damages that resulted from that situation, it will not offer protection against theft. A comprehensive plan may offer protection against theft, but the details and options that are available can vary.

Protecting Personal Belongings

Even though a liability policy has limitations, many insurance providers will offer coverage to address more than the minimum standards.

Comprehensive coverage may offer protection against theft, but the details of making a claim and the amount of funding that is provided to replace the items can vary based on the type of plan that you purchased. You will want to read your policy before you assume that you can make a claim. There may be exceptions that limit your options or you may only have coverage to pay for the item after calculating depreciation values.

RV insurance can take many different forms and the coverage that you obtain may vary based on the plan that you purchased. Contact us to speak to an agent to learn more about your options or to find a new policy that addresses your specific goals and concerns.

If you carry boat insurance and you want to make sure that others are covered when they are borrowing it, you should speak to your agent to make sure your coverage is going to be adequate. In most cases, your state will have its own individual regulations about insurance for your boat, but policy structures are fairly similar no matter where you live.

If someone who lives in your home, which would typically include your spouse and your children, is borrowing the boat, then they will usually cover under your own boat policy. However, this does apply only to immediate family. Thus, your second cousin who lives with you will not be covered under the policy in most cases.

When buying boat insurance, you need to discuss the policy in detail with your insurer to make sure exactly what people will be covered by the policy. In general, the "immediate family" rule will apply, but every policy and every insurer does have their own distinctions and rules.

Don’t take a chance on being without the proper coverage for those times you loan out your boat. To make sure anyone who drives it is covered, you can talk to one of our agents. We’re happy to provide you with multiple quotes from some of the top companies in the insurance field today, free of charge!

The decision to invest in your car by installing new stereo or audio equipment can be a concern. You may assume that you need special audio insurance to pay for damages, repairs or the theft of the new system. Depending on your current coverage, you may or may not need additional protection.

Current Policy Details

Every auto insurance policy is different, so the details regarding your current coverage may play a role in the decision to purchase a separate policy. For example, if you have basic liability protection, then you may want to purchase a separate audio insurance policy to protect the new stereo from theft or damage. On the other hand, if you have a comprehensive plan, then it may already be covered.

An audio system is usually part of the car, which means that once it is installed, it is counted as part of the car’s current value.

Buying an Appropriate Policy

If your current policy does not cover your personal belongings or the damage to your vehicle, then you may want to buy a separate policy to address your concerns related to the specific stereo system. The additional coverage that you need may vary, so you may want to compare your options based on the cost of your new system and the specific concerns that you want to address.

A basic policy that is designed to protect the audio system can provide the coverage that you need to address most of your worries.

It may not be necessary to purchase a separate policy for a new audio system that you have installed, but there may be times when you want additional coverage. Contact us to speak to an agent to learn more about your options.

The loss of a motorcycle in Woodstock, GA can be frustrating, especially if you do not have coverage against theft. The state laws only require that you obtain appropriate liability and personal injury protection, which means that you are not required to protect your motorcycle against theft. Unfortunately, the details of your neighbor’s home insurance policy may vary and it might not cover the loss of your motorcycle.

Policy Variations

Just as motorcycle insurance does offer solutions against theft and damages to your motorcycle after an accident, a home insurance policy can have a variety of options and details. Some policies may offer solutions when the property of another individual is stolen from the garage, but the details and solutions that are offered can vary.

Protecting a Motorcycle

Since many home insurance companies will not cover the loss of large items or may have limited solutions, it is best to obtain motorcycle insurance that is appropriate for the situation.

If you are worried about theft, then it is usually best to purchase a policy that will specifically cover that problem. Even though your neighbor can be held liable for the loss of your motorcycle if it was in their garage while you were visiting the home, you may not be given enough to replace the motorcycle in every situation. Having protection against theft on your own policy is usually a good way to limit your losses.

The requirements associated with a motorcycle are not necessarily the same as a car, but the basic concerns and problems that may arise are similar. Contact us to speak to an agent to learn more about your options and to find a policy that is appropriate for your motorcycle.