What is “Off -Season” RV Insurance?

If you’re like most RV owners, you probably hit the road during spring and summer and store your vehicle during off-season months when cold weather sets in. Adjusting your insurance coverage during this off-season period can help save you money on premium costs. At Peter Laczko Insurance Inc. in Woodstock, GA, we can help you adjust your coverage to meet your off-season RV insurance needs. Here are a few ideas of how to adjust your insurance coverage during the off-season months:


When you’re on the road, you need ample liability coverage to protect you against accidents you may cause. During the off-season, however, you can reduce your liability protection to minimum state requirements to save on insurance costs.

Optional Coverage

You may want to drop optional coverage like roadside assistance, towing or campsite liability during these off-season months as they won’t be needed while your RV is in storage. Just remember to reinstate this coverage when you’re ready to hit the road again in spring so you’re not caught unprepared.


Comprehensive coverage is still important while your vehicle’s in storage as there’s always the risk of theft, vandalism or damage due to adverse weather. You may also decide to use your vehicle once or twice during the off-season, making it important to retain this essential coverage.

Check for Discounts

When adjusting RV insurance for the off-season, check for discounts that can help reduce insurance costs. If you’ve paid your RV in full or had no claims over the last year, you may qualify for a discount on your policy. Improved credit or bundling your RV with auto or home insurance could also make you eligible for a discounted rate on your RV insurance policy.

For more information on RV insurance coverage and costs, contact Peter Laczko Insurance Inc. in Woodstock, GA.

How to Add Riders to Your Home Policy

Here at Peter Laczko Insurance Inc. in Woodstock, GA, we’re first to admit that homeowners’ insurance isn’t a simple matter. We want it to be though. We’re here to answer your questions. One question we hear often is “why would I need a rider to my policy and what exactly is a rider?”

The term rider refers to an addition to a policy that adds a higher level of coverage for one item or category of item. An endorsement and rider refer to the same thing. You can add it to a condo, home, mobile home or renter’s insurance.

One common limitation or exclusion – jewelry – probably tops the list of popular riders. Most home insurance caps your jewelry losses around $2,000 or 10 percent of the policy value. That may not even cover your wedding band set, so you’d add a jewelry rider to cover the rest.

Policies cover an average household. That’s how it got the name standard policy. You customize it for your needs by adding riders.

Besides jewelry, households also commonly choose to add riders for hobby items, antiques, Oriental rugs, stereo, and high-end TV equipment, fine art, and home office equipment.

If your standard policy as written covers everything you need, no problem. You need to do nothing, but sit back and enjoy the safety it provides. If you have other items to protect, add one or more riders.

That’s right. You can add more than one, so you can protect all of your personal property. You can add them for nearly any item that the standard policy excludes or that has low limits.

Let’s go over your policy together to determine what items might require riders in your home. Contact Peter Laczko Insurance Inc serving Woodstock, GA today.

Does Commercial Insurance Cover Damage Caused by Natural Disasters?

You work hard every day to manage your business and keep it afloat. You protect it to the best of your ability believing that you have your bases covered. Then, nature strikes and you are devastated to find that you were wrong. Too late you discover that you do not have the necessary coverage for natural disasters, and you are stuck wondering what to do now.

Unfortunately, about half of small businesses hit with a natural disaster do not bounce back, leaving a dream to go down the drain. Here at Peter Laczko Insurance Inc., we do not want to see our friends in Woodstock, GA fail, so we want to help you understand commercial insurance and what you can expect it to cover. All businesses are different to some degree: they have different products, services, equipment, property, and more.

Commercial policies are as unique as the businesses they cover. There is really no one-size-fits-all answer, so we will start with some general information. A typical commercial policy covers the owners and employees. It also covers the property from damage due to crime, falling objects, lightning, wind, some storm activity, and fire.

Most basic policies do not cover acts of nature, though a wildfire will likely be covered. Damage caused by floods, earthquakes, hurricanes, and tornados are usually only covered if additional coverage is added to the original policy. 

If you currently have commercial insurance, take a look at your policy to know your exact coverage. For those in the Woodstock, GA area, Peter Laczko Insurance Inc. will be happy to help you understand the current policy coverage you have. If there are any gaps that need to be filled, we will be happy to find the additional coverage you need. Give us a call or stop by our office for your no-obligation quote.


Can I Insure My Golf Cart?

Want to have some fun? Watch the vintage comedy movie Caddy Shack and enjoy the hilarious antics of Rodney Dangerfield who has a tricked-out golf bag on wheels that is the envy of all. If Rodney was alive now, he would love the amazing golf carts that are now available.

Customized Golf Carts

Interested in solar-powered battery recharging? That’s a green idea. Want to have a wet bar? No problem. A grill to make hamburgers? That’s easy. How about air-conditioning? Wow, that sounds cool, both in style and in temperature. These things and more are now in fashion when it comes to golf carts.

Golf Cart Insurance

If you are making an investment in such an expensive, customized golf cart, be sure to protect it with adequate insurance. Work with the specialists at Peter Laczko Insurance Inc. serving Woodstock, GA and the nearby communities.

Be sure to discuss with your agent where the golf cart will be stored and whether there is a benefit for installing an anti-theft device on the golf cart. Also, it is a good idea to have replacement cost coverage rather than just insuring the actual value.

With replacement cost coverage, you can get a new golf cart that is the same or similar to replace one that is completely damaged or stolen. In that way, your golf game is not interrupted by needing to pay more money to buy a new golf cart. Without replacement cost coverage, you may only get what the old one was worth if you sold it.

Remember, with golf, it is not so much how well you play as you keep practicing. It certainly does not hurt to always have a cool drink available in your golf cart’s refrigerator when desired.

To get a quote for golf cart insurance and any other “toys” you may have, call toll free: 888-883-1650 or 678-833-2860 to speak with an agent at Peter Laczko Insurance Inc. in Woodstock, GA who is ready to help you.

When is auto insurance a necessity in Georgia

Driving a car in the state of Georgia is a necessity for most people to get to and from work or school. When you own a car in Georgia, there are many important responsibilities that come along with it. One necessity and requirement that all people have is the requirement to get auto insurance. There are a variety of situations when it will be necessary for someone in the state of Georgia to have an auto insurance policy in place. 

When You Have a Loan

The first situation when you need to have auto insurance on your car in Woodstock, GA, is if you have a lease or a loan against your vehicle. As long the lease or loan is outstanding, the lender will want to make sure that you have insurance to protect their collateral. If you do not have a full collision or comprehensive insurance policy in place, you could be in violation of this agreement.

When On-Road

Whenever you decide to drive your vehicle in Georgia, you will be required to carry liability insurance. Similar to other states, Georgia will require that you have at minimum levels of property damage and bodily injury liability insurance. This will ensure that you have the financial ability to pay restitution if you are found liable in an accident.

Having auto insurance is a necessity for car owners in practically all situations. When you are ready to start shopping for car insurance, you should come to Peter Laczko Insurance Inc. The team at Peter Laczko Insurance Inc. can help a Woodstock, GA resident learn far more about their auto insurance options and needs. This can then help them get into a policy that will provide the right type and level of protection.

Preparing a Travel Trailer For the Perfect Vacation

Here is a nice checklist about the things to do to get your travel trailer ready for a trip that comes from Peter Laczko Insurance Inc. serving Woodstock, GA and the nearby communities.

Getting Ready to Go on the Perfect Vacation

Here are the steps to take to get your travel trailer ready:

  1. Clean: If your travel trailer has been in storage, it will need a good airing out and cleaning to get it ready. Scrub everything down and open all the windows to let some fresh air come in. Wash the bedding, pillows, and towels, if they are musty.
  2. Dump: Make sure the sewer tank is empty and dump the contents before heading off.
  3. Fill: Flush the water tank and fill it up with clean water.
  4. Propane: Make sure the propane tank(s) are full.
  5. Stock: Stock the cabinets and refrigerator with food supplies and things needed for the trip.
  6. Tires: Check the tires for proper tire pressure. Be sure to check the spare as well.
  7. Equipment: Make sure everything operates properly such as the oven, refrigerator, toilet, faucets, water pump, generator, electronics, and auxiliary equipment like a satellite dish.
  8. Tools: Be sure to bring along tools to make minor repairs.
  9. Spare Parts: Bring spare parts for things that may be needed, such as light bulbs.
  10. Emergency Kit: Bring a kit with first aid supplies, a flashlight with extra batteries, and important medicines.
  11. Maps: Bring maps and plot the trip in advance.
  12. Campsite Reservations: If you plan to stop at campsites, make reservations in advance if possible.
  13. Vehicle Registration: Make sure the registration for your car and trailer are up-to-date and the license plates are current.
  14. Insurance: Make sure your insurance coverage is adequate and in place.

To get a quote for travel trailer insurance, contact your agent at Peter Laczko Insurance Inc. in Woodstock, GA by calling Toll Free 888-883-1650 or 678-833-2860. If you prefer, you can also use the convenient online form.

What is ATV Insurance and What Does it Cover?

If you love to drive your ATV all over the scenic hills and valleys of Woodstock, GA, then you probably want to protect the investment you’ve made. ATV insurance covers all-terrain vehicles to give owners peace of mind while they’re covering the ground with other weekend warriors. Whether your ATV has three, four or six wheels, you can find the coverage you need through the knowledgeable agents at Peter Laczko Insurance Inc.

Types of Coverage

Protect your ATV against vandalism, accident or theft as well as uninsured motorists, collisions and other perils.

Uninsured Motorist Insurance

Uninsured motorist insurance safeguards an ATV driver in case of an accident. Medical expenses are usually covered by the driver that caused the accident. However, not all ATV enthusiasts maintain their insurance. If you have uninsured motorists coverage, it will pay for your medical expenses if the at-fault driver has insufficient insurance.

Bodily Injury

Bodily injury and property damage take care of expenses related to an accident you cause. For example, if you inadvertently run through a yield sign on a trail, another rider might be hurt. In this case, your bodily injury insurance would pay for his or her medical expenses. This protects you from large financial losses.


Collision insurance takes care of expenses related to repairing your ATV in the event of an accident. If you run into a tree or collide with another ATV, your vehicle can be severely damaged. Incidental damage, such as minor scratches, usually isn’t covered nor is normal wear and tear. 


Comprehensive ATV insurance protects you from many types of damage. This includes fire, vandalism, and flooding.

Your agent at Peter Laczko Insurance Inc. can walk you through ATV and other insurance options. Call today to make an appointment at our Woodstock, GA location.

Prepping Your Motor Home For Your Summer Vacation

Whether you’re planning on spending the whole summer traveling in your RV or you’re just going on a quick weekend trip, it’s important that you get your vehicle prepped for summer. At Peter Laczko Insurance Inc. serving Woodstock, GA, we’re here to help RV owners get ready for the warm months ahead. Follow these tips to make sure your RV is ready for June, July, and August. 

– Check your tires. Make sure the tread isn’t worn out, and the PSI is not too high or too low. Make sure that you have a good spare stored in your RV. 

– Pack well. Check that all breakable items in your RV are secured firmly so that you don’t have to deal with breakage and/or spillage on your way to your destination.

– Check the appliances inside your RV. If it’s been a few months since you’ve used the commodities inside your vehicle, you’ll want to double check that everything is in working order. It’s easier to make a repair at home than it is once you get to a campsite. 

– Get a maintenance check. Have a mechanic do a quick check under the hood of your RV. Just like you get your car serviced prior to cold weather, it’s a good idea to have your RV looked at before you take off on your summer trip. This is also a great time to get an oil change if your RV hasn’t had one since last season. 

At Peter Laczko Insurance Inc. serving Woodstock, GA, we’re here to help RV owners with comprehensive insurance policies that will keep you protected from the unexpected. Stop in and see us today so we can help you with all your RV insurance needs. 

Jet Ski Insurance and Personal Safety Tips for Woodstock, GA

Peter Laczko Insurance Inc. in Woodstock, Georgia wants to wish you a great summer and make sure that you enjoy the water in a safe and fun way. Before you hit your local waters, you’ll need to check that your policy covers everything you need in your jet ski insurance coverage. Your policy is your guarantee that you can enjoy the water feeling safe that you are protected in case of any accidents or injuries; however, safety tips are the most important thing to keep in mind to avoid accidents and injuries.

What is Jet Ski Insurance?

Jet ski insurance coverage can include protection against bad weather conditions, especially things like high crests during a storm and hurricanes. In many places, intense weather may also call for an insurance plan with additional coverage such as towing protection. 

Jet Ski Safety Regulations in Woodstock, GA

Few recreational activities on the water are as fun as jet skiing. It’s one of Georgia’s most exhilarating summer sports, you still have rules to obey. Make your safety your top priority. If you have children that are ages 12-15, they may take a boating safety course and legally ride a jet ski. Anyone of that is over the age of 16 may ride the jet ski if they have a photo ID with them. Of course, a boating safety course is good for anyone to take in Georgia. 

A few other helpful hints to keep in mind include:

  • Keep the jet ski at idle speed when within 100 feet of another watercraft, shoreline, swimming area or restaurant
  • Coast Guard-approved jackets should always be worn
  • Tell someone where you are going before you go
  • Use good judgment with the weather
    • only go out when the weather is good
    • do not participate in high-speed sports after dark
  • Review hand signals and know how to use them
  • Inspect all your equipment before you go out
  • Keep an ignition switch lanyard on your wrist or on your life jacket so that power is cut if you fall off. 

Get Jet Ski Insurance from Peter Laczko Insurance Inc. in Woodstock, GA now. We will help guide you through the process.




3 Tips for Prepping Your Boat for Summer Fun

At Peter Laczko Insurance Inc., we know that getting out in the great outdoors is a wonderful way to spend with your family. However, there are a few things you need to do to ensure everyone has a safe time. Here are three tips for prepping your Woodstock, GA boat for summer fun.

Tip #1: Have a Professional Check the Motor and Equipment

One of the easiest ways to prep your boat for summer fun is by doing a bit of routine maintenance. If you aren’t familiar with watercraft, have a professional check the motor and equipment to determine if everything is in proper order. Also, check any trailer tires for cracks or leaks, especially if they’ve been sitting in the sun during the off-season.

Tip #2: Pack Life Jackets for Everyone (and Make Sure They Fit Appropriately)

It’s also vital to pack life jackets for everyone who plans to be on board the boat, plus a few extras for any additional guests that might show up. If you are bringing children along for the trip, double check to make sure their old flotation devices still fit appropriately. Doing this is more than just a good idea—it could save a life.

Tip #3: Purchase Adequate Boat Insurance

Another tip is to purchase adequate boat insurance. While there’s no explicit requirement for insuring your watercraft, it is a good idea to at least carry some form of liability coverage. That way if there’s an accident during your day of fun, you can protect yourself against the potential for a costly lawsuit.
Got boat insurance? Contact our Peter Laczko Insurance Inc. team today to schedule an appointment or for a no-obligation rate quote. We proudly serve Woodstock, GA and surrounding areas.