Questions to Ask Before Buying Boat Insurance

There’s nothing like the peace that comes from taking a boat out on the water. It’s an excellent way to unwind. Before you set sail, however, you need the proper boat insurance. To get the right boat insurance, you’ll need to ask the right questions.  AWARD Insurance Group in Dalton, GA is happy to answer these and any other questions you might have. 

Are Salvage Costs Covered?

What happens if your boat sinks? What happens if a hurricane strikes and your boat ends up 1/2 a mile down the street? In either case, the boat must be retrieved. This can be an expensive endeavor. Salvage coverage pays the cost of retrieving your boat and any other associated cleanup costs. 

Am I Insured for Agreed Value or Cash Value?

In the event your boat is severely damaged and is declared a total loss, how much will the insurer pay? If your policy has an agreed value, this means that you and your insurer have an agreed value that will be paid in the event of a total loss. If you have a cash value policy, it means that the insurer will pay you what the boat is considered to be worth. This takes into account depreciation and current market values.

What Types of Coverage are Available?

Liability insurance is the bare minimum policy. In the event that you are at fault in an accident, liability insurance will cover the damage caused to other’s property and often their medical bills.

Medical payments coverage can be added. This covers any medical costs you and your passengers might incur due to an accident.

Uninsured coverage will cover your losses if someone else is at fault but uninsured or underinsured.

Contact AWARD Insurance Group in Dalton, GA today and let us help you choose the right boat coverage for your needs. Enjoy your time on the water knowing that you are protected in the event of an accident. 

How Old Do You Have to Be to Ride a Motorcycle in Georgia?

You may have come across this blog post by Googling "How old do you have to be to ride a motorcycle in Georgia". We at AWARD Insurance Group sure are happy you stopped by! That’s because most other people will tell you that the answer is "age 16" and leave it at that.

But as insurance experts who’ve been serving motorcyclists in the Dalton, GA area and beyond for years, we’ll go ahead and tell you that the truth is a little more complicated than that.

Whether you’re looking to start riding yourself or have a teenager who has expressed interest in learning, here are some important facts you should know before you get out that bike:

  • The legal motorcycle (non-passenger) riding age in Georgia is 16, but anyone under 17 must successfully complete a certified 30-hour Georgia Driver Training / Education Course
  • Georgia is actually one of the only states that offers a motorcycle instructional (learning) permit, called a "Class MP Permit". It’s not technically mandatory, but Georgia motorcycle road test reservations are actually only offered to people who have their permit.
  • You can get your motorcycle license without taking the Georgia Driver Training / Education Course, but only if you are 17 or older and pass vision, knowledge and road test exams.
  • Children under 16 years of age can actually "ride" motorcycles in Georgia, but strictly only as passengers, wearing protective headgear at all times. Footrests and a passenger seat (a sidecar will already have these) are also required.

Now, regardless of what age you are while riding a motorcycle, Georgia law requires you to have proper insurance coverage. While coverage laws are still a bit more flexible here than in other states, there are still certain minimum liability requirements you must meet.

If you own a motorcycle in the Dalton, GA area, there’s no time like the present to take care of this. Contact the pros at AWARD Insurance Group today to learn about state coverage requirements and your policy options!

Are There Any Benefits to Buying Life Insurance For a Teenager?

Many people use life insurance to provide for their family in the event they suddenly pass away. The money can pay for the mortgage, help with college expenses and help to ensure the family is able to live the life they are used to. Teenagers do not typically contribute to their household, so you may be unsure whether your teenager needs life insurance. Here at AWARD Insurance Group, serving the Dalton GA. area, we want you to understand what the benefits of buying life insurance for a teenager are. Here are a few of those benefits. 

Covers End of Life Expenses

One of the benefits to buying life insurance for a teenager is that the policy can help to provide money to pay for end of life expenses, such as medical bills and funeral expenses. If your teen is involved in an accident, you don’t want to have to worry about coming up with the money to bury them. 

May Provide Guaranteed Insurability

Another benefit to buying life insurance for a teenager is that you can provide your teen with guaranteed insurability, depending on the policy you buy. If your teen has life insurance now, and they develop a disease or health condition later, they may be unable to qualify for life insurance. Having a policy early on when they are healthy gives them a policy no matter what happens later on in life. 

Can Help With Co-Signed Debt

The other benefit to buying life insurance for a teen is that the money can help to cover the co-signed debt. If you co-sign for a car loan, private student loans or credit cards for your teen, you are responsible for those debts, even if your teen passes away. Life insurance can help to pay for those debts. 

There are many benefits to buying life insurance for a teenager. If you are ready to get a quote on a policy for your teen, call AWARD Insurance Group, serving Dalton, GA. today. 

Are There Any Benefits to Buying Life Insurance For a Teenager?

Many people use life insurance to provide for their family in the event they suddenly pass away. The money can pay for the mortgage, help with college expenses and help to ensure the family is able to live the life they are used to. Teenagers do not typically contribute to their household, so you may be unsure whether your teenager needs life insurance. Here at AWARD Insurance Group, serving the Dalton GA. area, we want you to understand what the benefits of buying life insurance for a teenager are. Here are a few of those benefits. 

Covers End of Life Expenses

One of the benefits to buying life insurance for a teenager is that the policy can help to provide money to pay for end of life expenses, such as medical bills and funeral expenses. If your teen is involved in an accident, you don’t want to have to worry about coming up with the money to bury them. 

May Provide Guaranteed Insurability

Another benefit to buying life insurance for a teenager is that you can provide your teen with guaranteed insurability, depending on the policy you buy. If your teen has life insurance now, and they develop a disease or health condition later, they may be unable to qualify for life insurance. Having a policy early on when they are healthy gives them a policy no matter what happens later on in life. 

Can Help With Co-Signed Debt

The other benefit to buying life insurance for a teen is that the money can help to cover the co-signed debt. If you co-sign for a car loan, private student loans or credit cards for your teen, you are responsible for those debts, even if your teen passes away. Life insurance can help to pay for those debts. 

There are many benefits to buying life insurance for a teenager. If you are ready to get a quote on a policy for your teen, call AWARD Insurance Group, serving Dalton, GA. today. 

What Type Of Commercial Insurance Do You Need In Your Industry: A Brief Guide

Commercial insurance is available for all types of businesses, but no two policies are created equal.

Agencies like AWARD Insurance Group provide many branches of commercial insurance. It’s just a matter of knowing which type of insurance suits your business well. This suitability is based on your industry. If you own a business in Dalton, GA, read on to find out how to identify the right commercial insurance for your industry.

If You Rent Or Own Your Place Of Business

If you’re running your business from an actual office, your best bet is to invest in general liability commercial insurance. This type of insurance is a recommended type of base coverage for most businesses.

In your case, though, it’s especially advantageous to get general liability coverage. If a third-party (such as a customer or a passerby) slips and injures himself on your business property, he can sue your business. General liability can cover that cost for you, possibly preventing you from having to liquidate your business assets.

If You’re A Doctor Or Lawyer

If you own practice of any higher-cost service (legal or medical), you need malpractice insurance.

If a former client or patient accuses you of negligence in their case, that could cost you your career. Furthermore, it could rob you of any income, both personal and that which belongs to your practice. As a licensed lawyer or doctor, being insured against malpractice is a crucial step. Your coverage can cushion the blow of a malpractice lawsuit.

If You’re In The Media

If your business is in the media or communications industry, you need media liability insurance. Though this type of commercial insurance is less common than the previous ones, it is an important form of protection.

Media liability insurance covers your assets and your reputation in the event that someone sues you for liable or slander. As a writer or a journalist, you are always in danger of angering a sue-happy individual. that type of person is eager to erase your career and put you in debt due to something you wrote or said which he dislikes.

Liable cases are sometimes hard to prove, but they are costly if dragged out in court. Get your commercial media liability insurance as a media professional, just in case.

Are You Ready To Buy Commercial Insurance?

Whether you’re buying insurance for your business as a first-timer or a veteran, there is a lot to ponder when it comes to commercial insurance. Contact AWARD Insurance Group, where our helpful agents will guide you through the process of purchasing the policy that fits your needs best. As a business owner in Dalton, GA, give us a call today, and we’ll be eager to assist you on your path to securing your coverage.

Is Home Insurance and Property Insurance the Same Thing?

The right insurance policy is going to make a huge difference in the way that you recover should your home or property become badly damaged. For those looking to take out an insurance policy, it is always best to take the time to find out the differences between policy types so you can find the right policy for you. For those that live in the Dalton, GA area, the agents with AWARD Insurance Group can help you find the right policy for you.

Property insurance is not the same thing as homeowners insurance but property dwelling insurance does do a bit of the same thing. Homeowner’s insurance covers the home as well as the property within the home as well as coverages for injury and other issues that might arise. Property dwelling insurance only covers the house. Homeowner’s insurance can be considered a type of property insurance but the term is much too broad to say that they are one and the same. A property insurance policy may only be for one specific thing whereas a homeowner’s policy covers many things.

It is important to take the time to figure out what type of policy is going to work best for you. You may only need a dwelling policy, you may be able to get some other type of property insurance, or you may need the added coverage and safety that a full homeowner’s policy offers. Knowing what type of policy you need is going to make a big difference in the overall coverage of your policy and in what money you can get in the case that you do need to recover or rebuild. For those in the Dalton, GA area, the agents with AWARD Insurance Group can help you to find the perfect coverage.  

Insurance responsibilities for drivers in Dalton, GA

Dalton, GA is a great place to live, work, and drive. With its bustling businesses and lively cultural life, the city has something to offer for everyone, and most people feel that being able to drive makes it easier to get around the city.

Georgia has legal requirements for everyone on the road, starting with licensing and registration and also including insurance. At AWARD Insurance Group, we work with each client to make sure you get the auto insurance coverage you both want and need. The first step, though, if finding out the minimum requirements. 

Minimum Georgia Auto Insurance Requirements

Like most states, Georgia requires all drivers to carry liability insurance. Liability insurance is to cover the expenses if you are the one who is at fault in an accident. 

As far as property damage, Georgia requires each driver to carry at least $25,000 worth of liability insurance for each occurrence. That means that no matter how much damage there actually is, if you only got minimum coverage, your policy will only pay out that amount and you will be liable for the rest. The same goes for the bodily injury limit, which is $25,000 per person and up to $50,000 per occurrence.

Other Kinds of Coverage

You will probably feel safer if you go beyond what is required. You can also purchase insurance that will protect your own vehicle if it is damaged, and you can choose higher limits. There are policies that will add coverage for vandalism or theft, and you can even get roadside assistance and other perks added to your policy. 

If you live and drive in Dalton, GA, you have some amount of legal responsibility, but you can go beyond that. If you want to find the policy that really suits your needs, call AWARD Insurance Group today.

Is Umbrella Insurance Useful In Every Situation

AWARD Insurance Group – Our Name Says It All

We won’t say that we received the only award for client service but there is a reason that our name is spelled out in capital letters. We are a premier agency,  and we really value your business, your time, and your resources. We would never imagine or attempt to waste any of those valuable items with unnecessary insurance.  

Umbrella insurance is, simply stated, an extension on a standard policy of insurance. Standard policies have normalized limits of liability amounts that are paid. That means that certain laws and guidelines govern the minimums on the standard policy. Umbrella insurance comes into a situation when the liability exceeds a normalized amount.

To accurately answer the titular question – umbrella insurance is not necessary for every situation. It becomes necessary in an abnormal situation. That is not to say that everyone cannot benefit from umbrella insurance. Unfortunately, it is commonplace for the abnormal to happen. Speaking with an agent will give you a better idea of how, where, and why umbrella insurance could be a great idea for your life.

Leave It To The Professionals At AWARD Insurance Group

Not only do we provide product for umbrella insurance, but we also provide insurance policies for your automobile, motorcycle, RV, home, life, condo and boat/watercraft. Additionally,  we provide commercial insurance.

Our offices are located in Dalton, GA. Pop in at any time to speak with one of our knowledgeable agents about how you can insure the various facets of your life. If you are located in Dalton, GA, coming in is convenient, however, if you are in a surrounding area please feel free to give us a call at  706-226-1346. We serve both Georgia and Tennessee with confidence and professionalism. 

3 Ways Condo Insurance Protects Your Investment

If you’ve just bought a condo, your next step is getting condo insurance to protect your investment. Your condo’s Master Insurance Policy covers your building and common areas, not your personal unit. A personal condo insurance policy from AWARD Insurance Group in Dalton, GA, however, can give you the protection you need for your newly-acquired property.

Here are three ways a condo insurance policy protects your valuable investment:

Interior Building Protection

This coverage pays for repairs to the interior of your condo if it gets damaged by a covered peril such as fire, water damage due to plumbing problems, smoke damage, etc. This coverage includes your unit’s walls, built-in structures such as shelves or bookcases and fixtures.

Personal Property Coverage

Personal property insurance covers your belongings from clothing to electronics and everything in between. If your goods are stolen or damaged in a covered peril, your insurer will cover repair or replacement costs. If you choose actual cash value coverage, you’ll get reimbursed for the value of your goods less depreciation. If you choose replacement cost coverage, your insurer will cover the whole cost of replacing your goods. This could save you thousands of dollars out-of-pocket if you were to suffer total loss in a fire.

Liability Coverage

If you like to entertain, liability coverage is a must. Liability insurance protects you against accidents that people may have when visiting your condo. If a friend accidentally falls down the stairs and breaks his arm, your liability insurance will pay for his medical bills so you don’t have to pay out-of-pocket. If your friend sues you for damages, liability insurance will pay for legal fees and settlement costs.

For quality condo insurance at an affordable price, see your AWARD Insurance Group agent in Dalton, GA.

Carry RV Insurance With You While Vacationing This Summer

Now is the time to begin planning your summer vacation. While you are booking RV campgrounds and browsing for vacation spots, take the time to browse through the benefits of RV insurance. While you may carry a standard auto policy on your RV, an RV insurance policy has the ability to protect RV owners in campgrounds and other locations while on vacation. Agents at AWARD Insurance Group understand the benefits of the RV policy over the auto policy and are determined to provide this information to residents in Dalton, GA.

Attachments and Belongings Coverage

When you are traveling on vacation, items like satellites, awnings, and other outside belongings are essential for your vacation. Unfortunately, damages or theft can cause you to lose these items. If your RV is only insured with auto insurance, items such as these will not be covered. However, RV insurance will cover these items and any damages that occur while the RV is parked and utilized as a home for camping.

Vacation Liability

Auto insurance often times will not cover any damages that occur while the RV is parked and used as a vacation residence. Unfortunately, accidents can still happen while the RV is not traveling on the road. Should an accident occur within the liability, your vacation could be cut short by a slew of medical bills and expenses. With RV insurance, your liability is covered and your vacation can continue without any additional financial stress. This is also available for any thefts that may happen in these parks and campgrounds where the RV is residing.

Get Covered Today

If you are considering RV insurance, contact one of our agents today. AWARD Insurance Group proudly serves the communities in and around the Dalton, GA area. Give us a call today for your new policy.