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!

Boat Insurance Options in Dalton, GA

If you reside in Dalton, GA, AWARD Insurance Group is a great place to go for information about different types of insurance, including boat insurance.

The state of Georgia does not require boat owners to purchase boat insurance. However, it is very smart to purchase it anyway. It will cover your property in the event of a mishap. About half of boating accidents will result in some sort of an injury, and you could end up losing a lot of money if you are found to be responsible for the accident. You should also remember that even if you are extremely careful, you cannot control other people’s behavior in the water. You should also keep in mind that 40 percent of these individuals are not insured themselves.

Different policies will cover different parts of the boat, and you should talk to your insurance agent to figure out exactly what type of policy would benefit you the most. Policies can cover parts of the boat, such as fittings, furnishings, machinery, the hull, and any permanently attached equipment. You can get different types of coverage with boat insurance, and since boat insurance is not required, you do have options as to which coverage you choose. However, keep in mind that it is best to get as much coverage as possible so that you are protected in the event of an accident. Types of covered include boat insurance property coverage, liability coverage, medical payments coverage, and uninsured watercraft coverage.

Boat insurance is also very affordable, and you have the option of combining your boat insurance policy with other insurance policies, such as your auto and home insurance policies.

If you live in the city of Dalton, GA and are interested in learning more about boat insurance, you should feel free to contact the professionals at AWARD Insurance Group. They will give you the information you need to know about boat insurance, and they may even help point you in the right direction as far as choosing a policy goes.

Do I need motorcycle insurance in Dalton?

People that are all over the Dalton, GA area will need to have a mode of transportation to get around. In this area of Georgia, the warm weather for most of the year makes it a good place to own a motorcycle. If you would like to get a motorcycle here, you also need proper insurance for it. There are a few different reasons that you need to get this insurance coverage.

Insurance Will Keep You in Legal Compliance

A reason that a lot of people in this area need motorcycle insurance is that it will keep them in legal compliance. Drivers of all vehicles need to have liability insurance when they are in this state. If you do not have this coverage, you could face serious penalties. Those caught without coverage could lose their license and right to drive for a period of time. 

Insurance Protects Asset

You should also get this coverage because it will protect your asset. Buying a motorcycle is a big investment that you will want to pay off in the future. If you get a full policy that has comprehensive and collision coverage, you will know that you have coverage for a wide range of scenarios that could result in a loss for you. This includes coverage against the risk of theft or vehicle damage. 

As you are looking for a new policy for your motorcycle in the Dalton, GA area, you will want to speak with the team at AWARD Insurance Group. There are a lot of important factors that need to be considered when you are looking for insurance protection. The insurance team with AWARD Insurance Group understands how important this coverage is. They can help you to build a policy that will properly protect you and your motorcycle going forward. 

Important Variables To Consider While Researching RV Insurance Policies

Based in Dalton, GA, AWARD Insurance Group helps residents protect their assets by offering multiple types of insurance policies. We are committed to providing excellent customer service to our clients. We have established successful partnerships with multiple carriers in the region.

Important RV Insurance Variables

Many people enjoy riding their RV through Dalton, GA, and exploring everything that the state has to offer. RV insurance allows you to travel around in a safe manner. The policy covers any damage to your vehicle. You will also be protected if your RV is stolen or vandalized. Liability coverage protects you if you are involved in an accident and cause damage to someone else’s property, or if someone is injured while they are traveling in your RV. Here are some important variables to consider while you are researching RV insurance policies.

Do not neglect the importance of storage coverage. As the seasons change, perhaps you decided that you don’t want to risk an accident occurring so you decide to put your RV in a storage facility. You may be left unprotected if the storage facility gets set on fire or another type of disaster arises. Make sure that you maintain coverage on your RV even while you place it in storage.

If you plan to make any repairs to your RV or you have added some new accessories, you have to amend your policy in order to protect those items if they are vandalized or severely damaged. If you plan to add a trailer to your RV, you’ll have to add extra coverage to protect you if the trailer is damaged or stolen.

If you are planning to do long-distance traveling in your RV, add emergency roadside assistance coverage so that you will have a safety net if your RV breaks down and you need urgent help.

AWARD Insurance Group Will Help You Cover Your Asset

Visit our website today to learn more information about RV insurance.  

Why Carry Boat Insurance if GA Does Not Require It?

Like most people, you probably prioritize spending by putting the must-haves at the top of the payments list. People pay their mortgage to build equity, and so they have a warm place to sleep. They purchase groceries because they have to eat. So, when it comes to insurance, many people try to get by only purchasing what the state requires them to buy.

Georgia does not require you to purchase boat insurance, so you might feel tempted to skip purchasing it. We at AWARD Insurance Group serving Dalton, GA want to make the case for purchasing boat insurance when not required to do so you protect your financial investment in the boat. Out of pocket repairs can clean out a savings account.

Your boat insurance policy would also cover your liability if someone incurred an injury while on your boat or using your boat. This would also cover your liability if you caused an accident.
It probably seems like that would not happen. Most people think in terms of “It can’t happen to me.” The truth is that accidents happen though, so boat insurance makes a wise investment in your watercraft investment. Boat insurance also covers you when your boat sits in dry-dock or you launch it from a boat ramp. Whether it gets dinged by someone’s truck while on the boat ramp or in the water by another boat, insurance covers the damage repairs or replacing the boat if needed.

Could you afford to buy another boat out of pocket? For many people, that would be a cost of $50,000 or more. If you still owe on your current boat because you took out a loan to buy it, could you afford to pay it off completely and buy the new boat?
Most people would respond, “No.”

Boat insurance would cover the costs except for your deductible. You can make your deductible less and premiums higher if you would rather pay less in case an accident does occur or you can choose a higher deductible and lower premiums to move the larger expense to the potential accident.

Contact AWARD Insurance Group in Dalton, GA for more information on boat insurance and your coverage options. Georgia may not require it, but you need to insure your boat.

Is motorcycle coverage needed for me in Dalton?

When you are looking for a mode of transportation in the Dalton, GA area, you should consider getting a motorcycle. Not only are motorcycles fun to drive, but they also can provide you with a reliable and efficient mode of transportation. If you are looking for a motorcycle here, you should also spend time considering your insurance needs. There are several reasons why having a full motorcycle insurance policy will be required for you in this area.

Required if Taking Out a Loan

One reason that having motorcycle insurance could be a requirement for you is if you have taken out a loan to purchase the asset. If you have taken out a motorcycle loan, the lender will want you to have an insurance policy that offers proper collateral protection. A great form of insurance for this would be to get a collision and comprehensive motorcycle insurance policy as it will give you protection and help you comply with lender requirements.

Required to Use Motorcycle on Public Road

In Georgia, anyone that wants to use their motorcycle on a public road will need to have insurance in place. The state laws will require that you at least get liability motorcycle insurance coverage. With this type of coverage and protection, you will be covered in the event you cause an accident that results in damages incurred by another party. 

Having motorcycle insurance is a necessity for anyone in the Dalton, GA area. If you are looking for insurance, you should speak with the team at AWARD Insurance Group. The insurance team at AWARD Insurance Group can help you choose an insurance policy that will properly protect you and your motorcycle and ensure you are in full compliance with all of your personal insurance obligations.