What Should I Know About Umbrella Insurance?

Ever heard of umbrella insurance? As the name suggests, umbrella insurance can save the day on a rainy day. When your underlying insurance policies run out, umbrella insurance protects your finances by picking off from where your conventional liability coverage leaves off. But since umbrella insurance is one of the most misaligned insurance policies, AWARD Insurance Group of Dalton, GA gives details on what you should know about umbrella insurance.

It’s liability coverage

Most people assume that umbrella insurance covers all risks, perhaps because of the name "umbrella." The truth, however, is that umbrella insurance is liability coverage that protects you when accused by other people of inflicting bodily injury or property damage. For instance, if you cause a severe car accident, umbrella insurance will only cover bodily injury and property damage you cause to other people. However, you should claim from your car insurance for damage to your car and own injuries.

Has broader coverage

Umbrella insurance gives both higher and broader coverage. By broader coverage, it means that umbrella insurance will cover liability claims not included in other liability coverages. For example, umbrella insurance covers slander, false arrest, libel, and malicious prosecution that won’t be covered by liability coverage in your home or boat insurance policy.

It doesn’t have geographical limitations

Your home or car insurance policy won’t protect you beyond the borders of the US. However, this isn’t a limitation of umbrella insurance. This liability coverage can cover you anywhere in the world.

It’s affordable

Most people assume that umbrella insurance is expensive given the high liability coverage it offers. However, the reality is that umbrella insurance is super-affordable because it takes over after the underlying insurance coverage has been exhausted.

Would you want to learn more about umbrella insurance? If you are in Dalton, GA, and its environs, don’t hesitate to get in touch with AWARD Insurance Group.

Do I Need Condo Insurance in Dalton, GA?

Most people prefer condos as they have the freedom of living wherever they want. But just like homeowners have home insurance, so should condo owners have condo insurance. Condo insurance is a financial protection plan designed for condo owners. However, most people debate whether they need condo insurance, yet they contribute to the condo owners association. If you are one of such people, please consider the benefits of purchasing renters insurance from AWARD Insurance Group, serving Dalton, GA, and the surrounding areas.

It covers your personal property.

Condo insurance covers your personal property. If an event covered by your policy damages your personal belongings, like furniture, clothes, electronic sand, etc., condo insurance replaces them.

Protects you from liability costs

If you host visitors in your condo, then condo insurance is a must-have. Someone may get injured in your apartment, and you may be sued, which is costly. Condo insurance takes care of legal charges and medical bills if any.

Covers additional living expenses

If your unit becomes uninhabitable due to a covered peril, your condo insurance should put you in a temporary place as repairs are ongoing.

Protects the dwelling’s interior

The COA is responsible for the outside physical structure of your condo, but what about the inside? That’s where condo insurance comes in handy. It protects the interior of your condo.

Condo Insurance in Dalton, GA

Do I need condo insurance? The answer is yes. The benefits of purchasing condo insurance make condo insurance a worthwhile investment. At AWARD Insurance Group, we provide reliable and affordable condo insurance policies for residents of Dalton, GA, and the surrounding areas. Wait no more. Contact us today for a reasonable quote.

Is RV insurance in Dalton a requirement?

An RV owner that lives in the Dalton, GA area will find that they are great assets that can provide you with a lot of great memories and experiences. While you can have a lot of fun as an RV owner, it continues to be important that you are properly insured. There are a few reasons why having RV insurance is a requirement for owners here. 

Insurance Required to Drive

A reason that you will be required to have RV insurance is that it is needed to drive your car. When you choose to drive an RV, you need to meet the state of Georgia’s standards when it comes to liability coverage. If you get a quality RV insurance plan, it will provide you with the coverage that you need to meet this state legal requirement.

Lenders Require Coverage

A quality RV today can be quite expensive. Due to this, taking out a loan to buy the RV is often a good idea. If you choose to take out a loan, you will need to comply with standards set by your lender. In many scenarios, this will include requiring that you obtain a full insurance plan that has both collision and comprehensive insurance support. Having this will keep you in compliance while also protecting your asset.  

Anyone that is an RV owner in the Dalton, GA area will need to have an RV insurance plan. Once you are ready to start looking for a new policy, you can ensure that you make a good insurance choice by calling the AWARD Insurance Group. There are always a lot of choices to make when looking for any insurance plan and AWARD Insurance Group can simplify the process for you. This will ensure you choose the right plan that will meet your needs. 

Do you need boat insurance in Georgia?

Owning a boat is a goal and dream for many in the Dalton, GA area. When you are a boat owner here, you will have a great way to beat the heat during the long summers and make some great memories. While you can have a lot of fun on your boat, there will continue to be a chance that you can incur some form of loss due to boat damage, theft, or liability claims. A great way to mitigate this concern is by getting insurance. You will need to have boat insurance here for several reasons. 

Best Way to Protect Yourself

A primary way to get a boat insurance plan is that it is the most effective way to get protection. Boat owners will want to know that their boats are covered and that they are able to mitigate their liability risk. If you get a boat insurance plan, you will be able to build a policy that offers this appropriate coverage to reduce your risks. 

Required in Some Situations

Beyond the fact that insurance will protect you and your boat, you also may be required to obtain this coverage. If you have decided to finance your boat with the use of a boat loan, your lender could require that you carry insurance for it. Without this coverage, you could be in violation of your loan agreement. 

There are plenty of great reasons to get boat insurance if you are in the Dalton, GA area. As you are looking to protect yourself and your boat, starting your search by calling the AWARD Insurance Group is a good idea. There are a lot of choices and decisions to make when looking for coverage and the AWARD Insurance Group can always help as they will help you build an ideal plan. 

Motorcycle Insurance Myths: Debunked

If you are interested in purchasing and owning a motorcycle, you are like millions of other people. There is something that simply cannot be explained about how exciting it would be to hop on a motorcycle and ride down the open road with the wind in your hair. However, it is imperative that you are properly protected with motorcycle insurance, which is offered by AWARD Insurance Group. The sad thing is that there are many myths floating around about motorcycle insurance in Dalton, GA. Let’s debunk them right now.

Auto Insurance Covers Your Bike

Your auto insurance will not provide coverage for your motorcycle if you are involved in an accident. Because of this, it is important to invest in a separate policy for your bike. In most states, it is required to have a minimum amount of liability coverage to cover another individual’s costs related to bodily injury and property damage as a result of an accident. 

Motorcycle Insurance Can Be Canceled During the Off-Season

It may be possible to temporarily suspend your motorcycle coverage throughout the winter months, but it’s likely to come back and bite you. This is because you will lose coverage, leaving a gap in being insured. Your motorcycle registration could also be canceled. Further, if anything happens to your bike during the off-season, you will be paying out of pocket for the repairs.

Collision and Comprehensive Coverage Isn’t Needed for Motorcycles

If you are financing your motorcycle, it is generally required that you carry both collision and comprehensive insurance. This coverage is typically mandatory until the bike has been paid in full. Collision coverage offers protection for repair/replacement costs if you strike another car or structure with your bike. Comprehensive coverage offers protection from non-collision-related accidents, such as vandalism, theft, fire, and natural disasters.

When Dalton, GA residents need to insure their motorcycle, they can rely on the professionals at AWARD Insurance Group. Contact us today for your motorcycle insurance quote.

What should my Dalton, GA RV insurance cover?

Recreational vehicles come in a wide range of sizes, costs, and amenities. Fortunately, so does your RV insurance.

Located in Dalton, GA, AWARD Insurance Group knows that the right insurance is just as important as picking the right RV. It’s important to have a customized plan that meets your needs. Although options vary, these five coverage types should be a key component of any RV insurance package.

Collision coverage

As the name implies, this covers damage that results from a collision. If an accident does occur, this will kick in no matter who is at fault.

Comprehensive coverage

All other types of damage will be handled under comprehensive coverage. Examples include falling objects, natural disasters, theft, and vandalism. Most plans list out which events are included and which aren’t.

Uninsured motorist

Don’t be stuck footing the bill just because another driver has insufficient insurance. An uninsured motorist policy has you protected. This could cover injuries, property damage, or lost wages.


Liability provides security in the event you’re found to be at fault during an accident. While this only applies to motorhomes, the protection is for you, not your vehicle. These policies offer safeguards against potential lawsuits and expenses related to bodily injury.

Personal Property

Although RV and auto insurance share many similar features, personal property is different. This coverage is almost like a homeowner’s or renter’s plan, focused on the possessions inside the RV. If your belongings are damaged, destroyed, or stolen, you’ll be reimbursed. 

AWARD Insurance Group is here to help

Find an RV insurance policy that is as unique and personal as your vehicle itself. Serving Dalton, GA, the agency can match you with the ideal coverage. Schedule an appointment with one of their agents today.

What Every New Boat Owner Should Know About Insurance

Thinking about buying a boat? It’s easy to see why. Boating provides fun, freedom, and a way to get away from life’s stressors. Before you buy that boat, though, you should know your legal requirements and insurance options. AWARD Insurance Group in Dalton, GA can help you make sense of your choices. 

Why Boat Insurance in Georgia? 

Like most states, Georgia requires boat owners to register their boats. Unlike most states, however, Georgia does not require boating insurance. So why buy insurance as a boat owner? Because it can protect you in case of liability. 

Rules of the Road 

With cars and trucks, most people know the rules of the road. Lakes and marinas have their own rules of the "road," too. However, those rules can get confusing for first-time boat owners. With no signage in the middle of a lake, it’s easy to forget who has the right of way. You may know the rules, but other people on the lake may not. That’s one reason why people get into boating accidents. The right insurance can protect you in case of damage. 

Plus, since Georgia doesn’t require boat insurance, you may collide with an uninsured boater. If you have insurance, you can avoid paying for the damage out of pocket. 

Marina Requirements 

Georgia itself may not require boat insurance, but some businesses can. Some lakes, docks, and marinas may require their boat owners to have insurance. Check with your marina to find out if you’ll need insurance to dock your boat. 

Questions About Boat Insurance? 

If you have questions about boat insurance coverage, we can help you demystify your options. Contact AWARD Insurance Group in Dalton, GA for more information. Let’s make sure you get the peace of mind you deserve on your next boating trip. 

Motorcycle Maintenance Tips

Proper maintenance of your motorbike can help prevent accidents. Follow these tips from AWARD Insurance Group to better care for your bike. You can make your rides in and around Dalton GA more enjoyable when you ensure that your bike runs better.

A little maintenance on a regular schedule can actually help you reduce the need to file insurance claims. It is true. Let’s say you skip the maintenance and need to quickly stop. Your brakes don’t work as well, and you still hit the object in the road which does damage to your bike and you. Bummer. On the other hand, you conduct all the proper maintenance, making your brakes and acceleration function better. You stop on a dime and completely miss hitting the object in the road or anything for that matter. You continue on your ride unscathed.

So, if you plan to store your bike during the chilly fall and freezing winter, take a couple of hours to get your bike ready. 

Examine Your Garage for Pests

You might use a bike cover while the motorcycle remains in the garage, but you still need to treat the garage for pests first. Examine it for critters like mice and roaches. Spray the garage before storing the bike.

Clean Off the Bike

Dust the bike and clean off any dirt, dust, and debris, including checking the intake system and exhaust system. Cover it clean, so the dirt doesn’t have months to do damage.

Drain the Fuel Tank of the Cycle

Store your bike completely clean. Ditch that potentially stale fuel. Drain the tank. Check the color of the fuel for brown grit. If you see any, you found rust in your fuel tank. Flush the tank using acid remover and know that before you ride again, you need to replace your fuel tank. Clear out the rest of the gas tank using a fuel stabilizer, so your engine won’t misfire.

Change the Oil Before You Store It

You need to store the bike with fresh oil in the oil tank. This helps protect the motorcycle.

Check All of the Major Fluids

Repeat the process with the brake and hydraulic fluid levels. Examine the fluids for the right color, consistency, and signs of tank deterioration. Any dirty, thin, or gummed-up liquids need replacing.

Check the Battery

Check if it needs charging. If you experienced any trouble with it holding a charge while you rode during the warm weather seasons, purchase your replacement now. Remove the battery. You should not store your motorcycle long-term with the battery attached.

You can easily enjoy peace of mind this fall and winter knowing that your dear bike remains safely tucked away until the spring thaw. Call AWARD Insurance Group serving Dalton, GA for more information on motorcycle insurance and also, don’t forget to wrap your outdoor spigots before the first freeze. You’ll save yourself lots of trouble and they will function perfectly when you go to wash your bike in spring.

Common Life Insurance Terms That You’ll Want To Know

If you live in the Dalton, GA, area and are shopping around for a life insurance policy, it is essential to understand the basics of life insurance. Life insurance is essentially a contract between an insurance company and a policyholder. First, the policyholder signs an agreement to pay a specific premium. Then, the insurance company pays the chosen beneficiaries when the policyholder dies. Familiarizing yourself with the important terms will help you compare quotes and get the right policy for you.

Basic life insurance terms


The policyholder is the person who bought the policy. They are responsible for making the payments and determining the specific details.

Insured person

The insured person is the person who is covered by the life insurance policy if they were to die. The insured person could be the policyholder, or a policyholder can take out a policy on a loved one. 


A beneficiary in a life insurance policy is the person or persons who receive the payout benefit when the insured person dies. The beneficiary could be anything from a family member to a charity or even a business.


Premiums are the payments a policyholder makes to their insurance company.


A lapse occurs when you fail to make payments on time, and your insurance company drops you from the policy.

Evidence of insurability

Evidence of insurability is documentation provided in the application process from your health provider consisting of medical reports to prove your health. This helps the insurance company determine the type of policy you qualify for.

Reach out to AWARD Insurance Group today to discuss the life insurance policy that’s right for you!

7 Commercial Insurance Key Phrases to Know

Learning About Your Commercial Insurance

Commercial or business insurance is a necessary part of operations for many companies. Without it, heavy losses can be incurred through lawsuits and accidents which can devastate a business. Understanding some key phrases used can help you get the most out of your commercial insurance.

At AWARD Insurance Group of Dalton, GA, our experienced agents can help you understand your business insurance so you can use it more effectively. We can help you get the best commercial insurance policies at affordable rates. 

Key Phrases in Commercial Insurance

There is a lot of terminology used in commercial insurance that can be difficult to understand. However, there are many phrases and terms that are often heard that everyone should know. Here are some key phrases used in commercial insurance.

  • Deductible – Amount paid by the person insured beyond what the insurance company will cover in a loss.
  • Actual Cash Value – Value of an item after depreciation is factored.
  • General Liability – This insurance protects from bodily injury and property damage.
  • Premium – A sum paid by a business to an insurance company that effectively protects against a loss.
  • Property Insurance – This covers damages and losses of equipment, property, and other assets.
  • Umbrella Insurance – This insurance covers beyond what an underlying policy will provide coverage for.
  • Replacement Cost – Amount paid to replace an item or asset before depreciation is factored in.

Quality Insurance in Georgia

Contact us at AWARD Insurance Group of Dalton, GA to speak with one of our agents about our different insurance options. As independent agents we are able to find the best rates and policies for our clients. Give us a call today to learn more.