The loss of a motorcycle in Woodstock, GA can be frustrating, especially if you do not have coverage against theft. The state laws only require that you obtain appropriate liability and personal injury protection, which means that you are not required to protect your motorcycle against theft. Unfortunately, the details of your neighbor’s home insurance policy may vary and it might not cover the loss of your motorcycle.

Policy Variations

Just as motorcycle insurance does offer solutions against theft and damages to your motorcycle after an accident, a home insurance policy can have a variety of options and details. Some policies may offer solutions when the property of another individual is stolen from the garage, but the details and solutions that are offered can vary.

Protecting a Motorcycle

Since many home insurance companies will not cover the loss of large items or may have limited solutions, it is best to obtain motorcycle insurance that is appropriate for the situation.

If you are worried about theft, then it is usually best to purchase a policy that will specifically cover that problem. Even though your neighbor can be held liable for the loss of your motorcycle if it was in their garage while you were visiting the home, you may not be given enough to replace the motorcycle in every situation. Having protection against theft on your own policy is usually a good way to limit your losses.

The requirements associated with a motorcycle are not necessarily the same as a car, but the basic concerns and problems that may arise are similar. Contact us to speak to an agent to learn more about your options and to find a policy that is appropriate for your motorcycle.

Having a business can be tricky, especially if your industry doesn’t thrive year-round. It’s understandable wanting to cut costs wherever you can. Although your business may only operate during certain seasons or months, you may still need to have insurance protection. There are seasonal business insurance policies that will provide coverage during those months where your work is heavy, and step in to provide protection even when things are slow to avoid any gaps in insurance. This insurance also helps you if you have a weaker season than expected to help avoid huge losses.

Is seasonal business insurance something I need?

There are certain criteria that will determine whether or not you should get seasonal business insurance:

· Do you only operate during specific seasons of the year?

· Is your company dependent on the weather (skiing)?

· Does your company make the most money during certain times of the year?

If your business falls into one of these categories, you may want to acquire one of these policies.

Do I still need commercial auto insurance during these months?

Having commercial auto insurance during the months your business is not in operations is still a good idea. There may be a special event or a disaster and making sure your car is covered should be a top priority.

Getting the advice from a trusted independent agency that can help you compare quotes and make the best decision is a key. For more information on seasonal business insurance policies and protecting your business the right way, contact an agent at Peter Laczko Insurance to find out what options are available that will meet the needs of your business and keep you covered.