I Just Bought a Boat – What Do I Need to Tell My Insurance Agent?

You just purchased a beautiful new or used boat to enjoy with your family and friends. Before you make the decision of where you will dock your beauty – whether the boat will be kept at your home or elsewhere or when your first boat party will take place – you have to make a decision about the insurance to protect your new investment. 

Before you contact an insurance agent consider a few points about your new boat purchase:

 Will you be using your new boat for commercial purposes all or any part of the time? Of course, you know the answer but your agent will ask and it is something that you should consider as well. Many boat owners rent out their boats for part of the year. If you plan on letting others borrow your boat you also have to make certain that they have no commercial enterprise in mind. 

 Where will your boat be docked? Also, think about how often it will be docked. These items are important factors. 

Do you plan on a lot of guests aboard your watercraft? 

Are you going to be the only operator of your boat? – If you plan on having other individuals drive/operate your boat your agent will need to know. This factor is similar to motor vehicle use and the ramifications on your insurance. 

After you have some preliminary discussions with yourself give an agent a call. They are able to help you put your boat on the water without much further delay.

Come in to see us today at AWARD insurance group in Dalton, GA.  The staff at AWARD will walk you through the process to ensure that you are able to protect your beautiful new investment for as long as you own it.

The 3 types of coverage that your motorcycle policy should provide

Georgia residents love to get out on the road and explore our fantastic state, and what better way to do so than on a motorcycle? If you are a motorcycle enthusiast, you know the importance of comprehensive insurance to protect both you and your bike. Now is the perfect time to take a closer look at your current policy and make sure that it offers the coverage that you need. The team at AWARD Insurance Group is proud to serve the needs of the Dalton, GA community and is here to review your policy with you.

Liability 

If you are involved in an accident that causes loss or injury to yourself, your passenger, or another party, liability coverage will protect you from loss due to this event. Such coverage is included in your base policy, however, it is important to confirm that the coverage levels are sufficient for your particular needs.

Total Loss

When your bike is involved in an accident and is deemed totaled it can be difficult to receive a sufficient payout to cover the cost of replacement. This protection will help you to replace your bike in such instances.

Uninsured Drivers

Anyone who has been involved in an accident with an uninsured driver knows how difficult the situation can be. This type of coverage protects you and your passengers in the event that you experience a mishap or accident with someone who does not have insurance.

Whether you are looking to update your current motorcycle policy or just want to gain a better understanding of your coverage, call or stop by AWARD Insurance Group. Our team of professional agents is here to serve the insurance needs of our friends and neighbors in the Dalton, GA area.

A Look at the Different Types of Term Life Insurance

Term life insurance in Dalton, GA and other parts of the state can come in several different types. At AWARD Insurance Group, we want you to make informed decisions when it comes to choosing term life policies. Here are some of the different types of term life insurance available.

Term Life Insurance in General

Term life insurance will cover you for a set period, hence the word “term.” The term length of the insurance can vary from one year to 30 years depending on the policy you choose. Many people choose a 20-year term these days, but you can choose whichever options work best for your needs.

Decreasing Term Life Insurance

Decreasing term life will keep your premium steady over the length of the coverage, but will lower the number of death benefits over time. These policies aren’t widely available but have some use when packaged as mortgage term life insurance. Mortgage term life helps pay off a mortgage. So the longer you’re around to pay your mortgage, the less the policy will have to eventually pay for it.

Level Term Life Insurance

Most life insurance policies are of the level term variety. These policies come in set term lengths. With these policies, “level” refers to the flat rate you pay into the policy during the term.

Different types of level term policies exist. For example, an annual renewable level term insurance policy can represent a yearly policy that renews when the term is up. A convertible level term policy offers options to renew the policy or convert it to a different type of policy when the term is up.

Most forms of term life insurance you come across in Dalton, GA will represent a form of level term life insurance. At AWARD Insurance Group, we carry life insurance packages that can help you do the most with your term life insurance policy. Contact us or visit to learn more about term life and how it can benefit you.

Does My Dog Breed Affect My Home Insurance?

You have this lovely dog that you consider a member of your family, however, when you apply for your homeowner’s insurance policy, your insurance provider tells you that your dog cannot be covered it belongs to a high-risk breed. According to the Center for Disease Control and Prevention, about 4.5 million people are bitten annually by dogs.

Insurance firms normally ensure dog incident costs up to some liability limits, but some insurance firms will not provide cover for certain dog breeds that are considered dangerous. Other companies make a decision depending on the history of the dog being dangerous, regardless of which breed it belongs to.

Coverage options

A significant part of homeowners insurance claims are related to dog incidents. This has made many insurance firms to re-evaluate the type of dog breed they would be able to cover. The following are some insurance options offered by companies:

  • Raise the premium of your home insurance policy as a result of the dog breed.
  • Let you have any type of dog you want, but not include it in your home insurance plan. You may even be required to sign a dog exclusion contract.
  • Not offer you any insurance at all because you own a vicious dog breed.

AWARD Insurance Group is an insurance agency in Dalton GA that provides you with great insurance options. Call us today to know more.

The Riskiest Dog Breeds Which Are Not Normally Covered

The list of dangerous dogs usually varies from one insurance provider to another, but generally, the following breeds are normally excluded from a homeowners insurance policy:

  • Pitbull
  • Rottweiler
  • Akita
  • Alaskan Malamute
  • American Bull Terrier
  • American Staffordshire Terrier
  • Staffordshire Bull Terrier
  • Bullmastiff
  • Chow Chow
  • Pressa Canario
  • Doberman
  • Wolf Breed
  • Any mix of the above mentioned breeds.

These dogs are on this list because they can cause more damage compared to smaller dogs, and an attorney may be involved in the case leading to higher claims.

If you have any questions on how your dog influences your home insurance please contact AWARD Insurance Group is an insurance agency in Dalton, GA and you will get the best advice.

How to Protect Yourself Against Worker’s Comp Fraud

Worker’s comp is set in place to provide for employees in the event that they are injured in the workplace and cannot work. However, there are always a few people who will push the boundaries and see how they can take advantage of the system. Here are a few ways you can protect yourself from worker’s comp fraud. 

Have a Safety Plan

Having a well-established safety plan is the best way to ensure that individuals do not take advantage of gray areas. The safety policies should be well outlined, well trained and well exhibited in a common area for all to see. Make sure that each employee is thoroughly trained in safety procedure and reporting. This can help alleviate the "I didn’t know," excuses that sometimes accompany a bogus worker’s comp claim. 

Maintain a Safe Work Environment

A safe work environment will make it difficult for employees to have ammunition to use against you in a fraudulent worker’s comp case. Make your work environment so safe that it would be very difficult to get injured. In many workplaces the likelihood of injury is great, so it becomes difficult to disprove fraudulent claims. Although it may seem like it takes more time and even money to maintain a safe work environment it will pay off in the long run. 

Hire Carefully

It pays to do your research on new hires. Most individuals who will commit worker’s comp fraud have done it before or have had difficulties at previous jobs. It is always a good idea to check up on a person’s past job history by speaking with their former employers. Ask probing questions concerning their ethics and any problems they may have had at their other job. 

Worker’s comp fraud can be stressful and expensive. If you would like to learn more about protecting yourself from fraud contact AWARD Insurance Group serving Dalton, GA.

Must Have Auto Insurance for New Car Owners

Before buying a new vehicle, take time to consider your options for insurance coverage. New cars are expensive investments worth protecting to the full. At AWARD Insurance Group, we can help you select a policy worthy of your investment. Here are some of the most important aspects to consider when insuring a new vehicle.

Liability Coverage – Most states require that you have minimum liability coverage to protect other drivers in the event you cause an accident. If injuries or property damage exceeds these limits, you could be sued for remaining costs. To protect your assets, i.e. home, car, savings, it’s to your advantage to purchase more than just the minimum liability coverage.   

Collision Coverage – If you took out a loan for your vehicle, your insurer may require that you have collision and comprehensive coverage. Collision insurance will pay for repairing your vehicle if you collide into another car when driving to work in Dalton GA or skid on a wet road and hit a tree. If you get replacement cost coverage, your insurer will replace your new vehicle if it’s a total loss. Unless you have the finances to pay for the repair or replacement of your new car on your own, you’d do well to get this coverage.

Comprehensive Coverage – This insurance pays for damages caused by adverse weather or hitting an animal on the road. You’re also covered if your vehicle is stolen on a road trip or damaged by vandalism.

The more you drive your new car, the greater the risk of accidents. Without adequate insurance protection, an accident can cost you thousands of dollars worth of repairs out of pocket. For auto insurance coverage that will fully protect you and your new car investment, contact an agent from AWARD Insurance Group in Dalton, GA.

What Is A Universal Helmet Law?

AWARD Insurance Group offers motorcycle insurance to residents who live in or near Dalton, GA. Each agent has experience in writing policies for motorcycle owners who ride on a regular basis. Georgia is one of many states that has a universal helmet law. Other states have partial helmet laws that allow riders to go without a helmet if certain criteria are met.

Universal Helmet Laws

A universal helmet law means that every rider must wear a helmet, no matter their age or level of experience. A DOT Approved motorcycle helmet must be worn at all times when a motorcycle is being operated on Georgia roadways. A partial helmet law states that only riders who are 16 and under or any individual who is operating a motorcycle on a permit are required to wear a helmet. It has been proven that wearing a motorcycle helmet at all times saves the lives of both the rider and the operator of the motorcycle.

DOT Approved Helmets

In order for a motorcycle helmet to be DOT Approved, it must meet the criteria of the Department of Transportation. If a helmet passes the strict guidelines and is approved for use it will have a sticker that states "DOT Approved. The sticker will be located on the back of the helmet, in the center along the base. The sticker will be clearly visible and must not be tampered with.

Residents who live in Dalton, GA and ride motorcycles on a regular basis are well aware of the importance of having a universal helmet law. If you have questions about what type of helmet works best for you and whether or not it is DOT approved, call the agents of AWARD Insurance Group today! They will be able to answer all of your questions and help you find the right helmet for you.

3 Things You Need to Know About Boat Insurance

According to the law, all Dalton, GA boats with an engine horsepower of at least 50 require the minimum liability boat insurance. However, it is advisable to get insurance even for smaller boats for protection on water. If you are wondering what type of boat insurance would be ideal for you, consult AWARD Insurance Group to find boat insurance quotes that are customized to the specifications and the needs of your boat. Your boat insurance will depend on the type of boat you have, how often you use it, and the risks involved.

Facts About Boat Insurance

  • Boat insurance does not just cover the owner of the boat in case of an accident. It covers the passengers too. The liability part of boat insurance helps the owner of the boat to pay for the medical or funeral payments of the passengers. If they lose their property, it helps to pay for the costs of replacement.
  • Boat insurance does not always cover damage from storms, tornadoes, or hurricanes. Consult an insurance agent to find out what your boat insurance policy covers. The standard boat insurance policy offers compensation for the costs of repairing or replacing your boat after a collision, damage done to someone else’s boat, the replacement cost if your boat is stolen, and medical charges for other people while they are in your boat. There is an option for replacement cost or cash value compensation.
  • You need boat insurance because home insurance doesn’t cover most boats. Your home insurance can offer coverage if you have a very small boat. Talk to your boat insurance agent to find out if your homeowner’s insurance policy covers your boat.

Contact AWARD Insurance Agency in Dalton, GA on 706-226-1436 to discuss your new boat insurance quote.

What kind of things are excluded from an umbrella policy?

AWARD Insurance Group works hard to protect people in Dalton, GA from losses that could significantly affect their lives. Beyond regular policies like auto and home insurance, there are umbrella policies that can protect against losses for people who have larger assets that a standard policy may not cover. However, it is important to understand what kinds of losses are covered. Umbrella policies have some important exclusions.

In order for an umbrella policy to apply, there must be an underlying policy, such as a life insurance or home insurance policy. The umbrella policy will cover losses once the original policy pays to its maximum limits. The coverage is generally broad and will protect you against you even in the event of events like lawsuits, including court costs.

An umbrella policy will not protect you against intentional damage caused by you or someone else covered by your policy; that means that losses covered by criminal actions will not be covered. Also, if your losses occurred because of your business or because of work you were doing for someone, those losses will not be covered unless you are claiming them under a commercial policy.

An umbrella policy will not cover losses that should be covered by a workers compensation policy. If you have accepted liability in a contract or otherwise agreed to pay for certain damages, you cannot claim those under an insurance policy. Any losses that happened because of a war or flood will likewise not normally be covered. Your own property that

An umbrella policy is a great way to protect yourself in Dalton, GA because the limits are much higher than standard policy limits. If you would like to talk about better protection for yourself and your family, call AWARD Insurance Group today for a free estimate.

Should I name more than one beneficiary?

Naming your beneficiary is the most important part of your life insurance policy. If anything happens to you, your beneficiary is the one who will receive the benefits from your policy.

If you are in Dalton, GA and are thinking of obtaining a life insurance policy, the knowledgeable agents at AWARD Insurance Group can answer your questions about what kind of policy would be best for you and how your policy will affect your beneficiary. You don’t want to go to the trouble of maintaining a life insurance policy for years and then not even have the policy benefit someone you care about.

Naming multiple beneficiaries is one way to make sure that happens. If your beneficiary were to predecease you, you can name another person who will get the money instead. In those cases, the first person is the primary beneficiary and the other person is the secondary beneficiary.

You can also divide your policy up, “per stirpes” or “per capita.” People who have a large family are more likely to choose this option, where you can divide your policy evenly among a few or several people.

It is important if you have designated someone as a beneficiary that you inform that person. He or she will need to make a claim for the benefits by directly contacting your insurance agency. The individual will need to provide the policy number and a certified copy of the death certificate before filling out the company’s claim form, after which the funds can be disbursed at once or even invested.

If you are in Dalton, GA, don’t wait until it’s too late to provide this help to your loved ones. Contact AWARD Insurance Group today for a free evaluation of your life insurance needs.