Who Should Have Umbrella Insurance Coverage in Dalton, GA?

People who own multiple properties and have several different valuable assets might want to consider umbrella insurance. This type of insurance is in addition to standard liability policies and can be useful when you want to protect your assets from being lost in lawsuits and claims against you. Umbrella insurance kicks in when your standard liability is exhausted. This can help with existing homeowners, auto, or other personal types of insurance that have limits to their coverage.

If you are in the Dalton, GA area, AWARD Insurance Group has professional agents that have years of experience with both standard liability insurance as well as umbrella insurance.

Who benefits from umbrella insurance?

Lawsuits can be very damaging and you can lose significant amounts of money if you find yourself being sued, your entire savings and investments can be negatively impacted by lawsuits. If you are sued for injuries or damages to another person’s property or person, the associated legal costs from a lawsuit can add up quickly. This is when having an appropriate amount of umbrella insurance will help you weather legal battles and maintain your investments and wealth.

What amount of coverage does umbrella insurance provide?

The amount of umbrella policy underwriting depends on who your insurer is and how much coverage you have. It could be in the tens of millions of dollars or less. This really depends on how much you are able to spend to get this type of coverage. It is prudent to investigate different companies and specific policies they have for umbrella insurance.

If you need help choosing a quality umbrella insurance policy to cover your valuable assets from loss in lawsuits, AWARD Insurance Group of Dalton, GA can help. Give us a call to speak with an agent today to discuss your various options for coverage.

Is Condo Insurance Required To Purchase A Unit?

Although condos and houses are different, they have similar insurance needs. Both are usually required by the finance company to have insurance coverage. Condo insurance is designed to protect the interior structure, or walls, of the condo, as well as the personal contents of the owner. These can be appliances or other valuable documented items.

Condo Insurance Requirements

Before making a purchase, find out how much coverage is required to complete the purchase of the unit. Consulting with the building manager, HOA, and finance company if there is one, is the best way to be informed about those requirements. Having a knowledgeable insurance agent working with you to help navigate insurance needs is the best way to get the right level of coverage while staying compliant.

Top Condo Insurance Coverage

Anyone who is currently looking for top quality condo insurance coverage should consult with an agent at AWARD Insurance Group serving the residents of Dalton, GA. They can work closely with the condo owner to assess their current needs and then offer sensible insurance products that match the scenario. Not only can they help secure top quality condo insurance, but they can also help with any claims that may arise in the future. It’s all a part of their commitment to customer service before, during, and after the sale. 

Those who are currently shopping for condo insurance and want to find coverage that is reliable and comprehensive, should call or stop by AWARD Insurance Group to speak with an agent. They proudly serve the residents of Dalton, GA, and provide them with answers to questions so they can make an informed choice providing peace of mind. 

Spring Time Is The Time To Review Your Rv Insurance

At AWARD Insurance Group in Dalton, GA, we are sure that many of our clients start planning their summer holidays or adventures in springtime. Chances are you are already planning yours as well. That’s why we feel that the best time to review your RV insurance is now. Review your insurance now, before you hit the road in the days of summer. 

Actually, it is a good idea to review your insurance policy once in a year, and for RV insurance, the best time for review is springtime. Here is why the review of your RV insurance should be at the top of your consideration.

The number of appliances in your RV increases

Most RV owners keep upgrading the equipment and appliances in their RV regularly. So, it is possible that you have installed more facilities in your RV after purchasing your insurance policy. Your current policy won’t cover your latest gadgets. What if they get stolen? That’s why it is necessary to review your policy to cover your new appliances.

Rates drop generally because of competition

There’s a general price war among insurance companies. They drop their rates annually to attract new clients. It is also possible that the cost of your current policy has dropped slightly. You may not know if you don’t review your insurance.

Your limits may not give you much coverage

When you file any claim, you’ll be paid according to your premium limit. In several cases, the insurance may not be able to cover much. So, it is a good idea to upgrade your RV insurance for more peace of mind. 

In fact, you need to review all your insurance policies annually, not only your RV insurance. Whenever you decide to review your RV insurance or you want to purchase RV insurance for your new RV, we’ll be glad to guide you at AWARD Insurance Group in Dalton, GA. Just contact us. 

What is Dalton, GA Consequential Damage in Terms of Boat Insurance?

Spring and summer are just around the corner, which means it’s time to gather the sunscreen, bathing suits, and fishing gear for some beautiful boating time. It’s also a great time to look over your AWARD Insurance Group boat insurance policy to ensure you are properly covered.

While the state of Georgia doesn’t require boat owners to carry boat insurance, doing so is a good idea whether you trailer your boat to the local ramp or keep it at your local marina. As with home and auto insurance, there are different types of coverage that boat owners shopping for boat insurance should consider. One such type of coverage is consequential damage coverage.

What is Dalton, GA Consequential Damage in Terms of Boat Insurance?    

You hear stories about boats capsizing in lakes and sinking far out at sea, but did you know that half of all sinkings occur right at the dock? All it takes is one small component below the waterline to falter and your entire boat can quickly become submerged. Many of these parts fail due to either a lack of maintenance or general wear, tear, and corrosion. The most common culprits of these at-the-dock and just-off-the-ramp sinkings are corrupted stuffing boxes, sea strainers, outdrive bellows, and hoses or hose clamps. If one of the aforementioned parts fail and your boat sinks to the bottom, many general boat insurance policies won’t cover the property loss, repair, or replacement due to their excluding losses from such ‘wear, tear, and corrosion’.

But if you have consequential damage coverage, that all changes! Consequential damage policies cover all losses caused due to a component failing from wear, tear, or corrosion (so long as proper care was taken). So a boat that sinks from a busted stuffing box would be fully covered if the boat insurance policy included consequential damage coverage.

Learn More at AWARD Insurance Group

For more information about boat insurance, contact our team today. 

Motorcycle Insurance For Beginners

New to the world of motorcycles? One of the first things you’ll need to learn (after how to ride, of course) are the ins and outs of motorcycle insurance. Motorcycle insurance is similar to automotive insurance but there are some specific differences. In order to protect you and your ride, you’ll want to dig deeper into the world of motorcycle insurance. If you live around Dalton, GA, the staff at AWARD Insurance Group can help with this. 

Go Above The Minimum Liability

Your first instinct may be to opt for the minimum when it comes to liability coverage. This is not a good idea when insuring your motorcycle. This is because you are at greater risk of injury, which means higher medical bills. In the event of an accident where you are injured, there’s a good chance minimum liability coverage won’t provide you with the kind of assistance you need.

Roadside Assistance Is Truly Helpful

Most general maintenance you can perform at home on your motorcycle, and when you need a tune-up you’ll take it in. But you never know when a tire might blow or when another sudden issue arises. In these instances, roadside assistance makes it far easier to get to a motorcycle mechanic and not be stranded on the side of the road. 

Look At Your Health Insurance

While not directly tied to your motorcycle insurance, it is important to insure your body as well. So protect yourself and your body with proper health insurance. 

Have Your Motorcycle Insurance Questions Answered

If you have specific questions regarding motorcycle insurance you will want to talk to a professional about it. When living around Dalton, GA the team of experts at AWARD Insurance Group can help you with this. No matter the kind of bike you ride or the questions you have, all your answers are just a single phone call away. 

Tips for Winterizing Your RV

Living in the south, you get to enjoy mild winters. You’re not shoveling feet of snow every week like those crazy people up north. But, even the mildest winters can still have a few cold spells, and that’s enough to cause damage if you don’t take care of your stuff. It’s easy to park an RV and then forget about it until it’s in season again, but AWARD Insurance Group has seen too many take damage from the Atlanta winters. That’s why we want to help you winterize your RV.

Drain Water

There are a lot of places that hold water in an RV. You want to drain them all. It may not freeze every night in Dalton, GA, but it freezes enough times in the winter to make this necessary. Make sure your draining checklist includes the water heater, fresh water holding tank, gray and black holding tanks, faucets (leave them open when you’re done), toilet and shower. Make sure you get the drain lines as well. Any water left for the winter has a chance to freeze, and you know what happens next. If you’re in doubt, you can check the owner’s manual of your RV. It will help you think about every last drop of water that needs your attention.

Treat Everything

Basically, this is combining two steps. You want to make sure that the exterior/interior of the RV is still properly lined and insulated. If you notice any questionable gaps, make sure they’re treated. More importantly, you want to treat all of the plumbing systems you just drained. Always consult the owner’s manual first, but many RVs can handle antifreeze treatments of the water lines. Go through the recommended process, but getting antifreeze everywhere it is allowed will protect you from any water that might not have drained and keep any lines or components from bursting on the coldest nights.

Of course, the very best way to protect your RV from trouble is to get insurance. For residents in Dalton, GA, AWARD Insurance Group can make sure you have the best possible policy for a price you can afford.

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.