Who Needs Travel Trailers Insurance

If you enjoy camping or taking long road trips, one great asset to invest in would be a travel trailer. When you have a travel trailer, you will have a comfortable place to relax, sleep, and even prepare meals. While a travel trailer can provide you with many great memories, they are also expensive assets that need to be properly covered by insurance. There are several reasons why someone would need to get travel trailer insurance

Protects the Asset

The main reason why someone would have travel trailer insurance is that it will help to protect their valuable asset. When you have a travel trailer, you always will have the risk of it being damaged by a fire, car accident, or any other type of loss. Since this can be a big purchase for people in the Woodstock GA area, making sure that you have appropriate coverage for your travel trailer is a necessity.

Complies with Agreements

When you have a travel trailer, you may need to take out a loan or a lease to finance the purchase of it. If you do take out any type of financing for your travel trailer, the lender will require that you carry insurance at all times. This will ensure that their collateral is properly protected.

If you have a travel trailer in the Woodstock, GA area, you should contact the Peter Laczko Insurance Inc. team to discuss your needs. The professionals at Peter Laczko Insurance Inc. will be able to give you more insight and guidance into what your travel trailer insurance needs are. They can then help you to get into a policy that provides you with the right level of coverage for your travel trailer.


Smart Tips for Winterizing your Motor Home

With winter fast approaching, you may be considering storing your RV until the turn of the season. Proper storage will ensure your motorhome is safe and secure until you’re ready to use it again in the spring. Here are a few tips to winterizing your RV for storage.

Inspect RV Inside and Out

Inspect your vehicle inside and out and have minor repairs done. Pay special attention to the roof, windows, doors, sidewalls, and seams. Reseal cracks or holes that can cause moisture to seep through and damage the interior. Once repairs are done, clean your RV inside and out so that it’s ready for travel in the spring.

Drain Water System

Drain all water from your pipes to avoid problems with water freezing and cracking water lines. Pumping antifreeze through the plumbing system can help expel water from the pipes. Follow the checklist for draining your plumbing system in your RV owner’s manual to ensure you’re doing it right.

Remove Batteries

Remove RV batteries during winter and keep them in a cool, dry location. Be sure to check the batteries periodically and charge them to full capacity when necessary to avoid problems with freezing.

Store RV in Safe Spot  

Choose a safe spot for storage, preferably an indoor shelter to protect your motorhome from the elements. If you’re going to park it on the driveway of your Woodstock GA home, find a spot where it’s less likely to get damaged by winter storms. Cover your RV to protect it from wind, rain, snow, ice and UV rays from the sun. A custom designed RV cover with straps will keep moisture out and protect the exterior from damage.

Keep Up Insurance Coverage

Talk to us at Peter Laczko Insurance Inc. about insurance options for storage. The right motorhome insurance coverage from Peter Laczko Insurance Inc. in Woodstock, GA will protect your RV against any eventuality while in storage.   

Jet-Ski Winter Care and Maintenance

In Woodstock, GA, the winters aren’t exactly harsh, but they may give you cause to put your jet-ski in storage for three or four months. The agents at Peter Laczko Insurance Inc. can give you tips on keeping your jet-ski in top condition while it is in sitting in storage. Allowing your jet-ski or any other motorized vehicle to set for long periods of time can be hard on the engine and cause it to run poorly when you fire it up the first time.

Winterize the Engine

Winterize the engine by following the instructions in your jet-ski’s manual. Drain as much of the water as possible out of your ski’s cooling system. Add a stabilizer to the fuel tank when you fill it. Let the jet-ski run for approximately 30 seconds to make sure it mixes thoroughly. Oil and lube the carburetor, seals, and spark plug cylinders to keep them from drying out. Remember to take the battery out of your jet-ski and store it separately.

Cover It Well

Gently wash your jet-ski removing any dirt or residue from the water. Use a gentle soap and soft rag to wipe it down from top to bottom. Take a dry cloth and remove any moisture or drops of water they remain. Let the jet-ski finish drying for an hour or so. Once the ski is dry, put a cover over your jet-ski and make sure it is firmly attached. Even if you are putting inside a storage unit, always make sure the cover is secure to prevent animals or moisture from getting inside.

The agents of Peter Laczko Insurance Inc. are always available if you have questions about jet-ski insurance policies or how to protect yourself and your jet-ski when it isn’t being used. If you live in the Woodstock, GA area, call and schedule an appointment today. They will go over your policy and make sure you are fully covered.

Common types of RV insurance.

Owning a recreational vehicle is considered fascinating since you can easily cruise anywhere around the country. Depending on the type of recreational vehicle that you have, you may or may not require an RV insurance.

With quite a number of recreational vehicles in existence, it is important to think of the right insurance cover given the fact that a normal auto insurance policy may not be suitable for you. Most recreational vehicles double up to be both a vehicle and a home. It is for this reason that you must include equal coverage that has the homeowner’s insurance policies.

Standard recreational vehicle insurance covers:

  • Bodily injury and property damage liability
  • Uninsured motorist
  • Personal injury protection
  • Comprehensive coverage
  • Collision coverage
  • Limited property damage
  • Property protection

Depending on the class of your RV, you might need more specialized coverage with a number of add-ons. This combined policy will help you reduce exposure to more risks and will really come in handy during the time of losses. Specialty coverage includes:

  1. Total loss replacement which is basically available only on preceding untitled RVs equal to one model year old. Any other RV is insured for an actual cash value or agreed value.
  2. Custom equipment. This is a vital coverage for RVs with upgraded custom parts. After upgrading your RV interior or exterior it is advisable to increase your standard limit.
  3. Vacation liability which is mostly available for pleasure users pays to a specified limit for property damage and bodily injury in case of an accident which occurs when the RV is in use as a temporary vacation residence.
  4. Personal effects which cover your belongings while on vacation in an RV.
  5. Roadside assistance covers towing of a disabled RV to the nearest qualified repaired facility.

RVs are popular modes of vacations for a number of Americans lately. Know whether you need RV insurance today and what type of cover to purchase by visiting us as at Woodstock, GA, Peter Laczko Insurance Inc. Our RV insurance experts will offer you affordable rates and you’ll definitely get the best deal.

What You Should Consider When Shopping for Boat Insurance in Georgia

Many times, boat insurance is not required, but it is recommended. As always, it’s good to be safe than sorry.  Unfortunately, tragic, unexpected incidences occur sometimes even when it comes to boat and watercraft accidents. These accidents can be tremendously costly when it comes to the coverage for the medical costs, the boat, on-water towing, and more. And as a result, families can be in financial peril without having adequate boat insurance coverage.

There are numerous things that should be taken into consideration to ensure accurate boat insurance coverage in the state of Georgia.  Whether you live in Woodstock, GA or another city in this state, hiring reputable and trustworthy insurance agents is the way to go. There are some things to take into consideration when it comes to the type of boat, the age of the boat, the boat size, adequate medical coverage, and more.  There are also other various situations to consider when it comes to getting proper boat insurance coverage, such as whether you should get liability or comprehensive boat insurance coverage, whether or not you should take a boating safety course, and whether or not you should get coverage for the collision and fuel spill clean-up.   

There is a lot to consider with boat insurance. To learn more about getting proper boat insurance coverage for you, contact Peter Laczko Insurance Inc. today. Located in Woodstock, GA,  Peter Laczko Insurance Inc. has agents who are highly trained, license, and bond with several years of experience. They know the ins and outs about boat insurance regulations in Georgia, and they can help you get adequate coverage today.  

What is Commercial Crime Insurance?

Commercial liability insurance is not a requirement for people living in the state of Georgia, although many company owners will decide to purchase a policy for the protection that it provides. Along this vein, commercial crime insurance is also not mandatory, but it is, nonetheless, beneficial.

What Does Commercial Crime Insurance Cover?

It is an unfortunate reality that when a person goes into business for him or herself, the employees that they hire may not always be trustworthy. If, for example, a staffer provides monies to a vendor with whom you have not previously engaged and employee theft is included under your coverage,  it can take care of these costs. In addition, it can pay for losses when important documents are destroyed or if monies are stolen while on your way to deposit them into the bank. 

Your policy can extend to cover not just you but also your employees while they are working with articles pertaining to your company. It can also cover things like bad checks received from merchants or clients, and it can kick in if your own checks end up in the wrong hands, spurring a rash of fraudulent drafts. In today’s world, computer security is an issue, and hackers are always attempting to break into systems to see what they can steal. From lifting customer addresses and telephone numbers to credit card accounts, the ways are myriad in which criminals can target you, and crime insurance helps you in many of these instances.

Peter Laczko Insurance Inc. Serves Woodstock GA

Whatever your commercial insurance needs are, Peter Laczko Insurance Inc. has the right package for you. Faithfully serving Woodstock, GA, we offer a variety of products that include motorcycle, jet ski, boat, homeowners, automobile, and commercial insurance. Reach out to us today to ask any questions you may have about any of the services we offer. 

Do You Need Motorcycle Insurance if Your Bike Is in Storage?

If you aren’t going to be riding your motorcycle year-round in Woodstock, GA, you may be considering canceling your insurance to save money. Motorcycle insurance is required when you are driving on the road, but technically you don’t need it if you aren’t riding your bike. Canceling your insurance may cost you though, and there are other ways to save.

If your bike is in storage and you don’t have insurance, you have to fight the urge to go out for a ride, even if the weather is great. If you are out without insurance, you could be faced with some costly penalties, and if you cause an accident it can be even worse.

Even with your bike in storage, it still faces some risks. Some of the risks include storm damage, vandalism, and fire. Without proper insurance on your bike, and if there is damage that is caused, you would have to pay out of pocket for repairs. How you store your bike could also affect your insurance. Insurance companies look at the possible risk to determine how likely you are to make a claim. If you are keeping your bike in a locked brick building or a garage, then it will help lower your premiums because you are trying to deter thieves and vandals.

Instead of canceling insurance, speak with an agent at Peter Laczko Insurance Inc. to ask about a lay-up policy, which will keep everything but the comprehensive coverage. The comprehensive coverage protects you in the event of vandalism or theft. You could also raise your deductible while your bike is in storage and it will lower your premium. However, if you do need the insurance during this time, make sure you have enough cash on hand to pay for the higher deductible.

Contact Peter Laczko Insurance Inc. serving Woodstock, GA to get a quote on motorcycle insurance.

What Protection Does Your Home Policy Provide for Items You Have in Storage?

Many people in the greater Woodstock, GA area find that they have more possessions than will fit in their home or apartment. Whether you are a renter or an owner, a comprehensive policy can provide protection for your items, no matter where they may be. The professional team at Peter Laczko Insurance Inc. are here to review your current policy or to help you choose your first home owner or renter’s policy. If you are unsure of the level of protection that you have or that you need, we are here to help!

Protect Your Possessions, No Matter Where They Are

If you are downsizing, or are just cleaning out some clutter from your home, you may find that a storage solution is necessary for your belongings. There are insurance policies available, for both homeowners and renters, that need protection for items that are both at home or in storage. A comprehensive policy will provide the protection you need for all of your personal items. One thing to note is that your home or renters insurance policy will likely not provide coverage of your items as they are being transported from one place to another via a moving company. During your home insurance policy review be sure to inform your agent of any plans that you may have to relocate and how your items will be transported and they can address your individual situation.

Now is the time to make sure that you have the coverage that you need to protect your possessions, whether they are in your home or at a storage facility. If you are in the greater Woodstock, GA area call or stop by the Peter Laczko Insurance Inc. offices today and we will help you put the necessary coverage in place!

What to Know about Insurance and a Stolen Car

If your car is stolen in Woodstock GA, you will be covered by insurance if you have comprehensive coverage. Liability coverage and collision coverage will not help you if your car is stolen. Comprehensive coverage is designed to protect you from damage to your vehicle in a non-collision event. This coverage is not required, so you should make sure you have it if you want to use this. It can be a common misconception that your home policy will cover your stolen vehicle, especially if you car is stolen from your home.

The first step after your car is stolen is to file a police report, and then contact your insurance agent at Peter Laczko Insurance Inc. to start the claims process. When filing a claim, you will need the certificate of title for the vehicle, location of the keys before and after theft, name and information of people that have access to the vehicle, and description of the vehicle, which includes mileage, service records, and upgrades. If you have receipts for upgrades, this is even better. You will also need a list of personal property that was in the vehicle. Your homeowners or renters insurance may provide additional coverage for personal items that are stolen. If you are financing or leasing your vehicle, you need that contact information and need to let them know as soon as possible. Many insurance companies will require a waiting period for the claim to be finalized, in order to see if the police can recover the vehicle. The wait usually begins once the car is stolen, not when you file the claim. If you car is recovered, your comprehensive coverage will cover damages to your vehicle if it’s not a total loss.  

Contact an agent at Peter Laczko Insurance Inc. serving Woodstock, GA to get an auto insurance quote, or to add comprehensive coverage to your policy. 


How Old Do You Have To Be To Legally Operate A Boat in Georgia?

In Woodstock, GA, the agents of Peter Laczko Insurance Inc. offer several different types of insurance for vehicles and watercraft. Each agent is available to help you understand the rules and regulations that pertain to legally operating a boat or other type of personal watercraft on the state’s waterways. Just like operating a motor vehicle, there are rules of the water that must be followed.

Legal Age

In the state of Georgia, a person must be at least 16 years of age to legally operate a boat or any other type of personal watercraft throughout the state of Georgia. INdividuals between 12 and 15 may also legally operate a watercraft if they have applied for and received a valid boating license. For younger operators, it is strongly recommended that they complete a safe driving boating course that teaches the basics of water safety. 

Proper Identification

Another requirement is that whoever is operating the boat must have a valid driver’s license or other forms of identification. If the person is between the ages of 12 and 15, their valid boating license will serve as their identification. Even adults who operate any type of personal watercraft must have in their possession a valid form of identification with them at all times.

The agents of Peter Laczko Insurance Inc. are always on hand to answer questions about your boating insurance policy. If you live in the Woodstock, GA area, call and talk to one of the agents today. They will be able to provide you with the answers you need and will make sure you have the coverage you need to protect yourself and your family.