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Dwelling Versus Liability Coverage: Know Your Home Insurance Coverage Options

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Dwelling and liability coverage are two important aspects of your home insurance. Do you know the difference between them? While dwelling insurance handles damage to the walls, roof, and structure of your home, liability coverage protects your finances in case someone slips and falls on your property or your dog bites the neighbor. Learn more about these essential home insurance components from the knowledgeable team at Peter Laczko Insurance Inc. in Woodstock, GA.

What Is Dwelling Coverage?

Dwelling coverage protects your home’s physical structure and attached structures such as garages. In case of a covered event like a storm or fire, this component of your auto insurance will reimburse you for the cost of repairs, minus the deductible. We often advise clients to include the full replacement cost so they have ample funds to rebuild after an act of vandalism or another event listed in their policy.

What Is Liability Coverage?

If someone falls or gets hurt while on your property, liability coverage can reduce the resulting financial strain. Let’s say someone falls on your icy stairs and takes you to court. With the right liability insurance, you won’t have to worry about related medical expenses or legal fees. Meet with your agent to discuss your coverage options, which may also include liability for your child breaking a window with a poorly aimed ball. 

Combined, dwelling and liability coverage give you a solid foundation when it comes to protecting your home. Speaking to a trusted agent will help you clarify your coverage options. Additionally, a good insurance agent will point out likely scenarios when you’ll need home insurance the most. This will help you prepare for unexpected risks.

Contact Peter Laczko Insurance Inc. in Woodstock, GA, to schedule an appointment with an experienced home insurance agent.

How Does Commercial Auto Insurance Work?

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Owning a business comes with many extra responsibilities and costs that most people don’t think about when they think of owning a business. Some additional responsibilities include having the required licenses and insurance coverage for the state. Below, we will discuss what the state of Georgia requires for commercial auto insurance and how commercial auto insurance works.

Commercial auto insurance limits

Georgia has a financial responsibility law that requires businesses to have certain types of insurance, including commercial auto insurance. The financial responsibility law requires the following types of commercial auto insurance coverage:

  • Bodily injury liability coverage – $25,000 for the death or injury of one person and $50,000 for the death or injury of two people.
  • Property damage liability coverage – $25,000 limit for property damage to others in one incident.
  • Uninsured motorist coverage – The insurer must offer uninsured motorists coverage as an option.

How commercial auto insurance works

When you get a commercial auto insurance policy, it covers you and anyone driving the vehicle or vehicles for business-related things. If the person driving a commercial car causes an accident, they can use your commercial insurance policy to file the claim. You or the business are responsible for the monthly premium, the deductible, and any cost after the policy’s limit runs out.

On top of the required limits for commercial auto insurance, getting additional coverage, such as collision and comprehensive coverage, is a wise idea. If the vehicle is damaged or the driver is injured in an accident that they caused, you will not have to pay for the costs out of your pocket.

Contact Peter Laczko Insurance Inc.

If you need auto insurance for your business, give us a call or stop by Peter Laczko Insurance Inc. in Woodstock, GA.

Choosing the Best Auto Insurance in Woodstock, GA

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If you drive in Woodstock, GA, it is illegal to do so without the proper insurance coverage. However, with all the options out there, this can create a rather confusing situation. The best way to purchase auto coverage is to find the right auto agency and then find a policy that meets your unique needs.

Finding the Right Auto Insurance Company

When searching for auto insurance in Woodstock, GA one of the first things to consider is the company you are going to work with. For example, if you choose a local provider with a small office, you are going to receive more personalized attention. However, a larger, national insurer is usually going to offer more insurance coverage options.

In most cases, it is important to consider what is more important – the options in coverage or great customer service. This can help you decide if you want to stay local or choose a larger provider.

Consider the Policy Options

Another important consideration is the types of policies available. Each state has a required minimum coverage amount, but it is typically best to purchase more coverage than that. This will ensure you can receive help even if an accident or some other issue is your fault.

Keep in mind that for many people, budget plays a huge role in the coverage they ultimately purchase. It is a good idea to figure out what you can realistically afford before you start comparing options. This is the absolute best way to ensure you get the coverage you need for a price you can afford.

The Bottom Line

Purchasing auto insurance does not have to be impossible. However, it does take time and effort. If you need help with this important decision contact Peter Laczko Insurance Inc. today.  

Protect Your Home Insurance and Avoid Liabilities During the Holidays

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It’s true. Your home insurance protects you from mishaps throughout the year. Damage stemming from natural disasters, fires, and incidental losses may all be covered by your policy. During the holidays, it’s easy for these mishaps to occur, but it’s even easier to prevent liabilities.

Fix Walkways

If you anticipate having guests at your home, then you have to prepare your home. One of the most common overlooked problems with a home is its walkway. Cracks and missing stones can trip guests and cause them to be injured. If this happens, you may be reliable. As such, take measures now to prevent potential liability issues with guests in Woodstock, GA.

Remove Ice from Your Walkway

Another common holiday problem facing homeowners in Woodstock, GA is ice. Winters in Georgia can lead to ice accumulating on your driveway and steps. If you don’t remove the ice, and someone slips and falls, you may be sued. The solution to the problem is as simple as removing the ice and salting your driveway and porch.

Don’t Let People Drive Intoxicated

Did you know you may be responsible for someone getting into an accident after they leave your home? If you serve spirits and a person gets into an accident leaving your holiday party, the victim may be able to sue you. You can avoid this problem by preventing people from driving after they’ve had adult drinks. To make it simple, become a designated driver at your holiday party. As the designated driver, you reduce your liability risks.

With the holidays around the corner, you don’t want to ruin your event by creating liability issues. Instead, take measures to protect your home to ensure everyone remains safe this year. Additionally, if you would like to know what is covered by your home insurance policy, we encourage you to give us a call. It’s better to be safe than sorry when it comes to having enough home insurance coverage.

 

Dealing with Teen Auto Insurance in Woodstock, GA

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If you live in the city of Woodstock, GA, you should familiarize yourself with auto insurance policies in the state of Georgia. If you have a teen who is about to start driving in this state, you will want to know exactly what you need to do and what auto insurance policies you should know about that can help you in this situation.

Dealing with the knowledge that your teenager is soon going to be behind the wheel of a car can be stressful enough without having to think about the insurance aspect. This is why it is important to be as well versed as possible when it comes to auto insurance for teens. Georgia teenagers who are driving with their instructional permits and being supervised by a licensed adult do not need to have their own auto insurance policies. However, they will need auto insurance when they start driving on their own. Most of the time, families will add teens to their existing policies. The risk of an accident is significantly higher for a teen driver when compared to that for an adult driver, and this is particularly true during the first year that the teen is driving. However, there are few things that you can do to help minimize auto insurance costs. You can raise your deductibles so that the premiums are lower, walking the discounts that are offered by the company, share vehicles within your household, and avoid SUVs and sports cars. Additionally, be as involved as you can with the learning process, and make sure that your teen gets as much practice behind the wheel as possible. 

If you are interested in learning more about how auto insurance applies to a new teenage driver and other aspects of auto insurance in the state of Georgia, you should contact the professionals at Peter Laczko Insurance, Inc. The insurance agents at Peter Laczko Insurance, Inc. will be able to tell you everything you wanted to know about auto insurance and answer any questions that you may have about how this coverage applies to you as a resident of Woodstock, GA.

Different Kinds Of Home Insurance Options

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Your home is most likely the largest single investment you’ll ever make. Whether living in Woodstock, GA or anywhere else in the state, it is important to protect this investment. The primary way to do this is to take advantage of home owner’s insurance. There are different kinds of home owners insurance to consider, so before you move forward with implementing one form of coverage for your home, we at Insure Your Toy want to make sure you have the right coverage for your individual financial and personal needs. 

HO-1

The HO-1 is a standard, entry level form of insurance. It provides protection against 10 different problems you may face, including fire/smoke, riots, damage from aircraft, vehicles, vandalism, theft, lightening, explosions and even volcanic eruptions. Now, you probably won’t need to worry about volcanic eruptions in Woodstock, GA, but just about everything else is important. There might be an explosion with the gas line, or someone can break into the house. The vast majority of coverage will come in extremely helpful. 

HO-2

This upgraded policy includes everything you’ll find in the first policy, but adds falling objects, damage from ice, snow and sleet, freezing in your AC unit, breaking of your water pipes and damage from artificially generated electrical currents. Coverage for a burst pipe is valuable, as you never know when a pipe might burst, especially when you are out for the holidays. 

HO-3 and 4

These different kinds of insurance are options you probably will not need. HO-4 is for renting out your home. You’ll want this on top of the other coverage if you do decide to rent your house. HO-3 is the most common form of insurance as it gives the same basic coverage as HO-2, it doesn’t limit coverage and it insured attached structures (such as a deck or other feature you may have added ). This way, everything you own in and around the home is protected.