Peter Laczko Insurance Inc. has compiled a list of the essentials for recreational living. For the sake of length and time, the musts for any RV life are grouped as follows:

• The Kitchen:  Cookware, dishware, silverware, storage containers, cooking utensils, sandwich bags, garbage bags, baking soda, vinegar, seasonings, coffee/tea pot (or maker),  micro blender, mini chopper, foil, wax paper, mixing bowl, can opener and skewers.
• Linens: Bedding (sheets, blankets, pillows), towels (bath, hand, kitchen, etc.), oven mitts, pot holders, and bath mat.
• Miscellaneous: Fire extinguisher, cleaning supplies, laundry supplies, dish soap, and toiletries (shaver, toothbrush, mouthwash, hair brush, shampoo, and conditioner), work gloves, rubber gloves (when emptying black and gray water), cleaning wipes, rags/shop towels, window cleaner, ant spray, moth balls or cedar chips, binoculars and playing cards.
• Survival: Matches (waterproof), eye glass repair kit, umbrella, hats, road flares, bug spray, citronella, maps, GPS, compass, field guides, hunting knife, batteries, flashlight, solar charging system, roadside emergency reflective vest, fishing line, bottled water, water purification tablets, and a rain poncho.
• Tools: Bungee cords, toolbox (including a hammer, nails, screws, soldering gun, wrench, socket set, wire cutters), duct tape, white hose (meant to use on refilling water tank), folding shovel, ax, caulk/caulking gun, and goggles.
• Equipment: Tankless portable air compressor, bicycle, walkie-talkies, portable folding chairs and table, cordless drill, folding step stool, ladder, broom, dustpan, portable vacuum, digital AV adapter, extension cord, and hand saw
• First-Aid: First-Aid kit (full size) plus aspirin, antacid, Benadryl, sunscreen, tea tree oil, and eucalyptus oil. 

Using cast iron cookware can be used inside, and out on the BBQ, but too many pieces can be less that kind with regards to the gas economy. All that is left to pack is food, clothing, recreational equipment and portable entertainment.  Two items often forgotten until needed are a sewing kit and hand-crank radio.

Long term living would tack on other items such as an iron and ironing board, and bringing along pets is another list.  

The most essential for RV living is to have proper insurance coverage, and Peter Laczko Insurance Inc. can help you there.

People purchase boats for different reasons. Some buy a boat to go fishing and others buy boats for recreational purposes. Whatever the reason, boats are expensive. The best thing that you can do when you purchase a boat is to purchase boat insurance as well. There are several reasons that a boat insurance policy is necessary.

Boat Protection

If your boat is stolen, if it is involved in an accident, or if its contents are damaged, your boat insurance will cover it. A boat is a very expensive investment, therefore, you will need insurance just in case something happens.

Insurance is Required in Some Areas

There are certain areas on the water where you would be required to have boat insurance. Many waterways require you to have boat insurance to pass through and many marinas require that you have insurance to keep your boat there or launch your boat from one of their docks.

Winter Months are Dangerous

Many people who keep their boats at a marina for the winter believe that there is no need to carry insurance during these months. This is not the case. Winter is the time when the most fires, thefts, and floods occur on boats. Also, most of the claims that are filed for vandalism are done so in the summer. It is important to keep your boat protected all year long.

Not All Boater Have Insurance

It is important to have boat insurance because many boaters don’t. If another boat collides with yours and they don’t have insurance, you will want to have your own insurance to cover the damage.

Avoid a Lawsuit

If you cause a boat accident and you don’t have insurance, you could be looking at a very expensive lawsuit. Between the damage to the other boat and any injuries to your passengers and the passengers on the other boat, you could end up owing a great deal of money if you aren’t insured.

If you live in the Woodstock, GA area, and would like to get more information regarding boat insurance quotes and coverage, you should contact Peter Laczko Insurance Inc.

There are all sorts of places you can go by motorcycle and it can be exciting to plan. You can choose to stay within the state of Georgia or go anywhere else in the country. In order to plan your road trip, there are a few things to consider.

Are you driving the whole time?

You don’t have to drive the entire time, so this is something to consider. They make various tow packages so you can drive to your destination and then jump onto your motorcycle. If you are concerned with a long distance trip or don’t want to put a lot of miles onto the bike, this may be a consideration.

Find a group.

There may be a local motorcycle group where you plan on going, whether it’s a national park, the Grand Canyon, or New England. Get in touch with them to see what advice they can give you. It may be a way to make new friends and have some people to ride with.

Get your bike serviced.

Allow time for your bike to go into the garage for servicing before you take off on your road trip. This can ensure your oil is changed and your filter is cleaned. Listen to the mechanic in terms of their recommendations to prepare for your trip.

Map it all out.

Don’t start your trip until you have mapped out everywhere you are going. Identify the roads you will take, the gas stations that are along the way, and where you plan on stopping each night. This will ensure you don’t run into problems once on your way, especially if you lose cell signal at any point, which could happen.

Call us at Peter Laczko Insurance Inc. today to get help finding the right motorcycle insurance policy in Woodstock, Georgia.

 

 

Imagine this: you are driving your commercial vehicle to your next project location, when suddenly the inclement weather becomes too intense. You lose control of your vehicle, sliding into the car in the lane next to you. No matter who is considered at fault, you are then expected to present your proof of auto insurance to the other driver. If your commercial vehicle does not have insurance, the situation becomes much more complicated.

Commercial Auto Insurance in California

In California, all commercial vehicles are required to have insurance, and the driver must be able to present proof of financial responsibility for accidents they are liable for. For passenger vehicles, a certain amount of liability insurance is required based on how many passengers the auto can hold. Overall, this type of insurance is much like personal auto insurance except that it is much more specialized.

The Consequences

One of the most likely consequences for uninsured vehicles in Georgiais a suspended registration. The Department of Motor Vehicles will be notified that your insurance policy has been cancelled or does not exist. If no replacement is submitted within 45 days or a driver has provided false evidence of insurance, vehicle registration is cancelled. Driving with suspended registration can result in citations, fines, and possibly vehicle impound.

If a driver of a company vehicle is involved in a collision, the company or driver may be held personally liable for all damages incurred. Driving without insurance is financially very risky.

Obtaining Commercial Auto Insurance

Finding the right commercial auto insurance can be as simple as visiting the website of the agency you want to work with. In Georgia, insurance rates for commercial vehicles are based on the type of vehicle and its weight. If you have questions about commercial auto insurance, speaking with a licensed insurance broker at  Peter Laczko Insurance Inc. may be helpful.

 

Though earthquakes in Georgia are relatively rare, they do occur.  Even without distinct active faults, the Georgia Institute of Technology’s School of Earth and Atmospheric Sciences cites that about 15 percent of the earthquakes that occur happen in areas like Georgia.  Homeowners face significant damage to their property during an earthquake.  The northwest, central and west central counties of Georgia are considered to be areas of greatest risk. 

Before disaster strikes, homeowners can protect their home and property with earthquake insurance.  Insurance can’t prevent the disaster from happening but it can help significantly with the recovery process.  The key is to discuss whether earthquake insurance is right for your situation.  Your agent at Peter Laczko Insurance Inc. serving Woodstock, GA can talk with you about the variety of options that are available.   In addition to reviewing insurance options, homeowners should take the time to inventory and photograph their property and belongings.  This can save time and ensure proper documentation should the unthinkable occur. 

If your home is damaged during an earthquake, be sure to file a claim quickly with the necessary documentation and photographs.  Some policies will provide additional living expenses for policy holders whose home is significantly damaged and deemed uninhabitable. Your agent will discuss what the earthquake policy covers and what levels of coverage are appropriate for your circumstances. 

The agents at Peter Laczko Insurance Inc are ready to help you get the coverage that you need.  They will provide you with information about the available coverage options and work within your budget to get you the coverage that meets your needs.  Disasters can occur when they are least expected.  Call the home insurance experts at Peter Laczko Insurance at 888-883-1650 or visit www.insureyourtoy.com/ to get started. 

When it comes to insurance coverage there are certain factors that make updating your policy necessary. That being said, many people are not sure what factors make updating necessary and when or how they should update their policy. Here are some tips to help you determine if you need to update your policy or if your current coverage is sufficient.

Age and marital status are both big indicators that your policy may need to change. When you reach te age of 25 most companies will offer a discount because you are no longer considered a high risk customer. Likewise, marriage also makes you less of a risk. Having children, buying a home, or updating or changing cars may also indicate a need to change coverage.

Another factor that may indicate that you need to update coverage are any claims that are made on the policy. If you had more claims than anticipated you may need more coverage, less claims may indicate that you can have lesser coverage.

In most cases, it is helpful to have an insurance agent on hand to talk you through the changes that may affect what kind of coverage you need, what policy you need, and what changes are being made to your policy. As a rule of thumb, reassessing your coverage every year is a great way to stay on top of coverage and to make sure you are going to have the right coverage each and every time.

Your insurance is important and having the right coverage, the most current information, and knowing what you need to know about your policy can make a huge difference. Peter Laczko Insurance Inc. wants to help you get the coverage you need. Call today to update or change your current policy.

As a small business owner, it’s imperative you have commercial insurance coverage to protect your investment. You never know when an accident will occur that can result in you being liable for injuries, property damage or loss of inventory. The following coverage is a must for small business owners in Georgia.

Property Insurance

Property insurance covers loss or damage of your business property such as furniture, inventory, equipment, etc. due to fire, theft or storms. This coverage protects you from having to pay for these expenses on your own. By discussing coverage options with one of our agents at Peter Laczko Insurance Inc. you can learn more about how to protect your property.  

Liability Insurance

If your small business receives customers, you’ll need liability insurance. Liability coverage pays for medical expenses of visitors who accidentally get injured on your business property. Liability coverage will also protect your business from charges of negligence or mistakes made by employees that cause customers harm. If you manufacture or sell a product, product liability insurance will protect you from lawsuits in the event a defective product causes damage or harm.

Workers’ Comp Insurance

Worker’s compensation insurance is essential to protect your employees in the event of an accident. Whether you have several employees or a dozen, you shouldn’t neglect this valuable coverage. Worker’s comp covers medical expenses for injuries your workers sustain on the job as well as disability and/or death benefits if the accident results in serious injury or a worker’s demise.   

Commercial insurance will protect your business assets so you can use your finances to grow your company. At Peter Laczko Insurance  Inc. we can help you acquire the commercial insurance coverage best suited for your small business. Contact us today for all your business insurance needs.

Warm weather is here and many are anxious to get their boats back out on the water and enjoy fun in the sun!  Before planning the first big outing, an afternoon spent checking the boat and taking safety precautions will ensure that a day spent on the water is a successful one.

• Make sure there is a fire extinguisher on board and it is in working order and charged.
• Ensure there are an adequate number of life jackets on the boat and the sizes are appropriate for both children and adults. Check the life jackets to make sure all straps are not weathered and latching correctly.
• Check the battery to ensure that it is charged and not weak. 
• Make sure all electronics on-board, navigation lights, and cabin lights are in working order.  
• Check the fuel lines and all cables to make sure there has been no corrosion or cracks have occurred over the winter months.
• Perform both a fuel and oil change and replace the filters for both.
• Clean the overall boat with a mild cleaner and then wax.  Make sure to remember to clean and make sure all windows are clear.

Before the first big outing, do a short test run to ensure that the boat is running at optimal performance.  By doing this, it gives peace of mind for when joining all other boats out on the water. 

Having the proper insurance and coverage for your boat is another safety component to boating that will give you peace of mind.  Call Peter Laczko Insurance Inc. toll free at 888-883-1650 or visit our website at http://www.insureyourtoy.com/ to learn about the different types of boating insurance we offer and how we can best serve your needs.

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.

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.