insurance

Dwelling Versus Liability Coverage: Know Your Home Insurance Coverage Options

Posted on by AgentInsure

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.

Does Golf Cart Insurance Cover Contents?

Posted on by AgentInsure

Golf cart insurance is an excellent way to protect your cart from scenarios like accidents, theft, and other unexpected events. While the cart itself is often the main focus, there are additional factors to consider when purchasing golf cart insurance. For instance, if your golf clubs or other items stored in your cart are damaged or stolen, you may wonder whether your insurance will cover those belongings. Let’s explore what you need to know to shop for golf cart insurance with confidence. Once you’re ready to secure a policy, Peter Laczko Insurance Inc. in Woodstock, GA, is here to help!

Will Golf Cart Insurance Cover My Belongings?

In some cases, yes! Golf cart insurance can cover your belongings. This is an important consideration for golf enthusiasts, especially given the high cost of items like golf club sets. Coverage ensures you’re protected if your golf cart is damaged while in use or stolen, along with its contents. However, as with any insurance, coverage varies depending on the provider and policy. Before assuming your belongings are automatically covered, check with your insurance provider to confirm the specifics of your policy and ensure you have the protection you need.

Get Golf Cart Insurance With Peter Laczko Insurance Inc.

At Peter Laczko Insurance Inc. in Woodstock, GA, we specialize in helping golf enthusiasts find the right golf cart insurance. Compare quotes with us today to get started, or reach out if you need assistance or have questions about your coverage options!

Why Classic Car Insurance Has a Mileage Limit

Posted on by AgentInsure

Classic car owners are serious about keeping their cars in excellent shape, which means addressing repairs as issues arise and maintaining the paint and body in perfect condition. This commitment necessitates having excellent insurance coverage for each vehicle. However, it also means that insurance companies covering these repairs have to implement strict rules to ensure costs don’t escalate. One of these rules is a mileage limit. Insurance companies like Peter Laczko Insurance Inc. in Woodstock, GA, understand that while this may seem frustrating at first, it’s really meant to protect you and your classic car.

The Fewer Miles You Drive, the Fewer Issues You Encounter

Classic car insurance is often based on the car’s appraised value, and driving the vehicle more increases the chances of damage and wear that would lower that value. You are at an increased risk of damaging the paint, getting into an accident, hitting a pothole that lands your car in the repair shop, and so on.

By limiting how much you can drive a classic car, the insurance company ensures that any claims you file reflect an accurate value. But new classic car owners hoping to cruise around may not realize just how low the limits are. It depends on the insurance company and the policy, but you could see limits anywhere from as low as 1,000 miles per year to as much as 10,000 miles per year. Always check the limits before buying a policy to ensure that driving to a weekly classic car show in your town won’t send you over the limit!

Contact Peter Laczko Insurance Inc. in Woodstock, GA, to discuss classic car insurance coverage and see what policies are available. You can find mileage limits that work for you with the help of a knowledgeable agent.