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

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

Policyholder

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. 

Beneficiary

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

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

Lapse

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.

What Dalton, GA homeowners should know about home renovations

Home renovations can be fun and exciting. However, they can also be costly as they can greatly affect your home insurance policy. If you’re planning to remodel your home in Dalton, GA, you may want to seriously consider checking with your home insurance company before starting the project to ensure you have the right amount of coverage. At AWARD Insurance Group, we recommend learning how each renovation affects your home insurance rates as some can lower while others may increase the rates.

Any home addition increases replacement cost

A renovation is meant to improve durability, enhance beauty, and increase your home’s value. When the value goes up, you can expect to earn some good profit once you sell the home. On the other hand, you will need to increase your coverage to match the home’s value as the replacement cost will increase. If you are going to add another room such as a home office, pantry, or extra bedroom, be sure to inform your insurance company to update the dwelling coverage.

Bathroom and kitchen renovation adds value and lowers your insurance premium

Many Dalton, GA renovations tend to go around the bathroom or kitchen. Upgrading any of these can cost you about 2 to 5 percent of your home’s total value, depending on the makeover and materials used. Remember, the more durable the materials, the lower your premium as insurance companies assume durable materials last longer and are less likely to be damaged by common accidents.

Installing a swimming pool increases your liability coverage

Adding a swimming pool can be a huge investment. However, your insurance company will need you to update different coverages such as bodily injury liability and property damage liability to cover for accidents such as drowning and injuries. 

Looking to buy or update your home insurance policy? AWARD Insurance Group is here to take you through the steps and ensure you’re adequately covered. Call us today!

How to insure your teen driver in Dalton, GA

As your teenager approaches the driving age, your mind may be crowded with many questions about their driving journey, including insurance. Insuring teen drivers in Dalton, GA can be pretty expensive, and parents have to choose between getting separate policies or adding their children to their primary auto policies. At AWARD Insurance Group, we recommend getting a separate insurance policy to avoid raising your premiums due to many insurance claims. Remember, teens, are the riskiest drivers in the world. So how can you keep costs low while ensuring that your teen is adequately covered in their policy? Here are a few tips.

Invest in education

The best way to prepare your teen to be a responsible and careful driver is to take them to a good driving school.  You can enroll them in different driving courses to improve their skills, such as defensive driving or safe driving courses.  Insurance companies also look at such certificates when determining premiums.  

Get them a safe used car

High-performance or brand-new cars can be quite expensive to buy and insure. In Dalton GA, auto insurance companies use factors such as engine size, model, make and year to determine insurance rates. If you don’t have an extra car, you can always get them a used, safe and functional car. However, if you buy a very old vehicle, you won’t be saving much on insurance because your premiums are likely to go up.

Let your teen know everything about insurance

Before purchasing the policy, let your child know how auto insurance works. They should understand that it is not cheap and encourage good behavior for their safety. Let them know that not following traffic rules could get them into trouble.

Your teen needs your guidance more than ever throughout the learning and practicing period. So take some time off to provide guidance whenever needed. To learn more about teen auto insurance, be sure to contact AWARD Insurance Group today.

How Do I Know if I Have the Right Protection for My RV or Motorhome?

If you operate a recreational vehicle in Dalton, GA, chances are you already have motorhome insurance. If you got your RV AWARD Insurance Group, you could be confident that you have the right protection. However, RV insurance from another company may fall short of your expectations. 

What is the Right Motorhome Insurance?

The right RV insurance is the policy that covers everything that you might expect. Here are some of the aspects that the right RV insurance should cover. 

Property Damage Liability

If you damage properties belonging to other persons on the road, RV insurance should help you cover such expenses. If it does not cover, then you do not have the right protection from your motorhome policy. 

Bodily Injury Liability

Most of the states around the country will demand a bodily injury liability. If you cause an accident, you might injure other people on the road and sometimes your passengers. Motorhome insurance will cover medical expenses and lost wages. 

Uninsured Motorists

The right RV protection should cover uninsured motorists. Not everyone on the road has liability insurance. Others do not have sufficient funds to cater to such expenses. Your RV insurance should be comprehensive enough to cover such expenses. 

Collision Coverage

Collision coverage is something that you should make sure is already covered by your recreational vehicle insurance. Remember, collision is usually covered regardless of who is at fault. Therefore, your insurance company should not provide excuses that you were at fault for the motorhome’s collision. 

Optional RV Coverage

There is some option RV coverage that you should consider when you purchase a recreational vehicle. Some optional coverage includes road assistance, vacation liability, and towing, among others. 

Getting the Right RV Insurance

You don’t have to struggle again when looking for motorhome insurance in Dalton, GA. Contact AWARD Insurance Group today for the right RV protection.

What Happens if You Don’t Have Condo Insurance?

Condo insurance is a common need in Dalton, GA, because it helps owners protect themselves from many problems. However, you may not have a policy with AWARD Insurance Group and wonder if you will ever need one. Yes, you do – without one, you could easily experience a severe financial loss.

Why You Need Condo Insurance

When you own or are leasing a condominium for a home, you have to purchase condo insurance to protect yourself. If you do not own an insurance policy, your lender may get upset and could potentially claim that your loan is void. This fight can be a complex legal issue and is best to avoid by buying a high-quality and comprehensive condo insurance policy for your home.

Even worse, you’re setting yourself up for a disaster if something ever happens to your home. The condo association won’t suffer if there is a fire because they have a separate policy for the building’s exterior. As a result, they could quickly rebuild the condo – and you’ll be able to move back in because you do own it. However, everything inside of your home will be a complete loss.

That’s because your condo policy helps to cover these items for you, such as your furniture, electronics, and other types of items. The master’s policy owned by the condo association may or may not only cover the structure but could also cover fixtures like the countertops, flooring, installations, fixtures, and much more. That coverage all depends on what policy they purchase.

Get the Help That You Need

If your Dalton, GA condo doesn’t have insurance and you’re worried about any losses you may experience, please don’t hesitate to contact us at AWARD Insurance Group right away to learn more about your options. We’ll help find a suitable policy that feels right for your needs as an owner.

3 things to know about RV insurance

Your RV is a great investment for both you and the family. You certainly have fun with road trips that start in Dalton, GA and end across the country. Your current insurance policy, however, does not give you full confidence that all incidents are covered. AWARD Insurance Group can help you understand the qualities of good RV Insurance.

1. The best RV insurance plans pay for appliances

A motor home is essentially a house on wheels. Just as with a traditional home, the appliances in the kitchen of RVs are subject to malfunction. The best RV indemnity plans pay for fires that begin at the stove as well as floods in the kitchen or bathroom that damage personal property. 

2. A good RV insurance plan provides excellent coverage on the road

You are required to show proof of at least $25,000 for bodily injury ($50,000 per incident) in an at-fault accident when driving in Dalton GA. You also need to show proof of at least $25,000 in property damage coverage. 

A good RV insurance policy goes beyond the bare minimum to provide even more of a financial cushion. The best plans also provide roadside assistance, so you are not stranded on a family road trip. 

3. A good RV insurance policy protects against lawsuits

Georgia is not a no-fault state. You may be sued for medical bills if you cause an accident that leads to significant injury. The best RV insurance plans provide legal protection by connecting you with lawyers who can speak on your behalf in the instance that you are sued after an at-fault accident. 

We can help!

AWARD Insurance Group takes pride in providing you with the knowledge needed to make an educated decision about your next RV insurance plan. Call us today to schedule a consultation or to request a quote for coverage!