Renting or leasing an RV is the most cost-effective way to take a road trip, especially if you only get to do it once every year or so. When you decide to take off on this type of adventure, you need to have the right type of insurance to make sure you and your family have the protection you need. In Woodstock, GA, the agents of Peter Laczko Insurance Inc. can help you accomplish that goal. 

The Rental or Lease Agreement

In most cases, when you lease or rent a recreational vehicle for a getaway weekend or vacation you are offered to purchase insurance as part of the agreement. You can also choose to purchase the insurance through your own insurance company. Most companies require some degree of coverage over and above what you carry as part of your regular auto or vehicle insurance. Recreational vehicle insurance is slightly different and must be added separately.

Additional Coverage

If you choose to purchase the insurance from the leasing agency, it will only cover the vehicle itself. It’s a good idea to look into additional coverage through your personal agent to make sure your own belongings are covered as well.

Residents who live in the Woodstock, GA can call the agents of Peter Laczko Insurance Inc. if they have questions about RV insurance or what they need to do if they lease an RV. Agents can provide them with the information they need to make an informed decision. If you plan on having a fun vacation, you don’t want to worry about mishaps that could cost you financially. Call the agency today to find out about recreational vehicle insurance and how it can protect you.

If you rely on a golf cart to get around your neighborhood in Woodstock, GA, you don’t have to register it at the DMV. However, it’s important to make sure you have the coverage you need while operating your gold cart. Consider what coverage would benefit you regarding your golf cart. If you just drive from one green to another, you might not think you need golf cart insurance. However, every time you transport other people, you open yourself to liability.

Who Should Get Golf Cart Insurance?

If you rely on your golf court as a primary means of transportation around your gated community or retirement park, you should seriously think about getting this coverage.

Whether you drive on the cart on the green or on the roadways, proper coverage is essential to protect your valuable asset. You can’t depend on your homeowner’s insurance to cover you if you leave your property. Peter Laczko Insurance Inc. representatives can help you determine whether your homeowner’s policy covers your golf cart at all.

What is covered?

A golf cart policy includes the following coverage:

• Property damage
• Bodily injury
• Collision and comprehensive

This insurance covers the cost to replace or repair damage to your cart in incidents. If you cause an accident, the policy may cover expenses and injuries to another person and their property.

Having a golf cart can be a great asset for those who tire easily, have limited mobility or cannot walk long distances. Don’t give up your golf game. Contact Peter Laczko Insurance Inc. in Woodstock, GA to set up an appointment for a quote today.

You and your family enjoy spending time camping in the Woodstock, GA area. It’s your time to spend some quality time in nature. Once a year, you load all of your supplies into the RV and hit the road for a little adventure. The rest of the year, that RV sits beside the garage on your property. So, you may wonder if you really need to insure the RV if you only use it once a year. The answer is yes!  While your RV may have some protection under your homeowner’s policy while it is parked on your property, it is not covered once it is on the road.  The agents at Peter Laczko Insurance Inc. can talk with you about RV insurance policies that fit your travel style.

As an RV is your ‘home away from home’ when you are on the road, there are several things to consider when looking at RV insurance policies. You should consider including total loss replacement should the RV be damaged beyond repair. This is particularly important is the RV is less than five years old. You will also want to have coverage for all of the RV’s contents. Some policies also have provisions for emergency funds for housing and meals should there be an accident that renders the RV uninhabitable. While liability coverage is required by law, you may consider the amount of coverage a policy provides as RVs are large vehicles. Also, talk with your agent about the possibility of temporarily suspending portions of the policy when the RV is not on the road. This saves some money over time. The agents at Peter Laczko Insurance Inc. understand the needs of RV owners in the Woodstock, GA area. Call today!

As a business with employees in Woodstock, GA you know you have to provide workers compensation coverage. This is not unique to just your company; it’s a general legal requirement in most states on businesses with part-time or full-time employees. However, the cost of a workers compensation plan is dependent on how many and the type of employees you have, and that can change dramatically over time. If one just compares what the employee roster looked like when the business was a startup, so when it turned into a small or medium-sized business, the difference can be dramatic both in numbers as well as the type of work people are performing.

Workers compensation premiums for Woodstock, GA businesses are originally set up as estimates for the year based on payroll, but instead of just a simple formula the figure is calculated by looking at the current employee body, what work they perform, and how many people fit into a given workers compensation code. A code represents the industry calculated risk for a given work function. So, obviously, the code for a construction worker or security guard is going to be a different risk valuation than for an accountant due to the nature of the job. How these codes add up for your business then influences the cost of your worker’s compensation plan premium paid for the year. A subsequent insurance provider audit then follows up and confirms the codes are correct because providers are also aware of employee rosters change over time as well.

As a business, you can ensure your codes are applied accurately from the start versus just a guess, which is common in the startup phase. And that could impact your premium significantly. The expert staff at Peter Laczko Insurance Inc. can walk your business through the code assessment process to fully understand how it works as well as to secure a plan that reflects your business properly. Give Peter Laczko Insurance Inc. a call today!

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.