Month: April 2018

Home owners transition basics

Posted on by AgentInsure

In today’s life transitions, people no longer stay in one family home for generations. Often people will live and own several houses of different sizes, in different areas of the country during their lives. Transitioning you should know a few basics so a new place to live doesn’t dazzle you and then surprise you with costs you don’t anticipate.

Be aware of your paper trail

  • Know your credit rating: This can make a difference in your insurance premium.
  • Check your any home insurance claims that you might have filed.  Your agent can look at various sites for you and determine how it will affect future insurance.
  • Renters insurance It can be important to have a history of insurance when you are buying.

Things to look for

  • Construction of the house:  Look at the location of where you want to move, it may come with hidden problems like flooding hurricanes or weather.
  • Age of the house: Older homes sometimes have features that are costly to deal with repairs. These replacements may raise the cost of insurance.  
  • Current codes: The age of the house and updates may indicate whether or not it’s up to code. This may affect insurance rates.
  • Mechanical systems and safety devices:  Plumbing, electric, HVAC, as well as smoke, fire and burglar alarms all wear out in time. Recent upgrades make for a safer home and minimize insurance.
  • Pool, wood burning stove: Wonderful to have, but you will need higher property and liability.
  • Fire department: Little known is that if a home is located near a fire station and a hydrant close by have reduced insurance. Also, there’s a bonus for a professional rather fire department.
Peter Laczko Insurance Inc. serving Woodstock, GA can help you find the insurance you need.

 

: Is you RV fully covered? Why you need more than regular auto insurance to protect your RV

Posted on by AgentInsure

Nothing is quite as exciting as taking your RV on a cross-country trip or extended tour. Before you go, make sure that your RV is fully covered. Auto insurance doesn’t provide adequate coverage for this valuable asset. Ask an agent at Peter Laczko Insurance Inc. in Woodstock, GA what RV insurance options might work for you and your family. In the meantime, here is some information to get you started.

Tips on Purchasing RV Insurance

Recreational vehicles are extremely valuable. Don’t take a huge financial hit due to a lack of planning. Get insurance now so that you can drive anywhere in the country and rest assured that your on-the-go home is covered. Buy the best protection you can get within your budget.

Coverages

Just like auto insurance, RV insurance has different coverage options for various risks. Fortunately, most of them are an option so that you can pick and choose the ones that you need. Work with your The Sanford Group agent to customize your RV policy.

Here is an overview of the types of RV insurance available: 

  • Liability insurance protects you from the cost associated with bodily injury and property damages resulting from an accident that was your fault. It’s required by most states.
  • Comprehensive coverage pays for damage to the RV caused by non-collision incidents. This includes theft and fire damage.
  • Collision insurance pays for collision damage when you have to replace or repair your RV.
  • Vacation liability is similar to RV liability insurance. It only covers you if someone gets hurt on your property or has their property damaged. 
  • Roadside assistance helps you cover the costs of expenses if your RV breaks down.

Contact Peter Laczko Insurance Inc. agent in Woodstock, GA for more information on how to purchase RV insurance. Call today to set up an appointment for a free quote.