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.
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.
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.
Choosing a life insurance policy isn’t necessarily the funnest of all tasks because it requires people to think about an inevitable yet uncomfortable topic – their death. With that said, while the loss of a loved one is an incredibly emotional event it can also have devastating financial ramifications for anyone that is left behind. Consequently, having a life insurance policy that helps to cover costly events such as college, the balance remaining on a mortgage, retirement, and more can help lessen the burden on loved ones.
When it comes to choosing a life insurance policy, there are three main types – term, whole, and universal. Term, as the name implies, has a shelf life whereby the policy is active and pays out the amount of money that the benefactor originally purchased but once the policy term has expired it is no longer valid. Conversely, whole life insurance is more expensive but the premium is valid for as long as a person continues to pay the premium. Lastly, universal life insurance offers investment options whereby the premium can be increased or decreased based on how it is managed.
As a general rule of thumb, most experts recommend purchasing a life insurance policy that is 6 to 10 times higher than your annual salary. However, this may not be sufficient for your needs so another way of determining how much life insurance you need is to add up your debts such as mortgage and credit card payments and comparing it to other costs you may incur like college.
When it comes to choosing a life insurance policy in Dalton, GA come to the place that the professional’s trust – AWARD Insurance Group. Our friendly and professional staff will help you find the perfect policy that offers peace of mind for you and your loved one
When you get a new insurance policy for your business, you must update it every year. Both you and your business are growing and changing each year. So your business insurance policy must change along with it. Our agents of AWARD Insurance Group serving the Dalton, GA area work with small business owners in revising their policies each year. We strive to make things easy in finding all the policies your business needs.
Expanding or Downsizing your Business
The first common reason you must annually updating your policy is the growth or downsizing of your business. Each year, your business is going to experience some changes, whether it’s for the good or the bad. You must alert your insurer to these changes. Otherwise, that new location you opened, along with any assets stored there, will not be covered.
Development of New Products
The more your company grows, the more your product portfolio will do the same. If your business manufactures consumer products, you must have adequate coverage for all of them. This helps cover them in the event of a defect. In some cases, your insurer may require you to individually insure each product.
Being Prepared for Emergencies
You have to prepare your business for the unexpected. So if you don’t have it already, you must update your policy to cover emergencies. The state of Georgia is known for its history of hurricanes and tornadoes. You must make sure your business is prepared in the event of this.
Contact us for your Business Insurance Needs
For a thorough updating of your policy, you need an insurer experienced with working with businesses. If you own a business in the Dalton, GA area, give us a call to schedule an appointment today.
You know you need home insurance. However, determining how much home insurance you need can be as complicated as the process of buying a home itself. The good news is at AWARD Insurance Group in Dalton, GA, we make the process of choosing home insurance easy and understandable.
Home insurance coverage limits are often determined by your mortgage, your home’s appraisal value or the amount you purchased your home for. Having a coverage limit significantly higher than the costs to replace your home is a wasted expense. However, not having enough coverage can put you at risk.
The easiest way to determine how much structural coverage you need is to estimate the replacement cost of your home. Check local building costs, and multiply the per sq ft cost by the sq ft of your home. If you have other structures like a garage, barn, or guest house, you should include the costs to replace these as well.
Other factors to consider are extra costs to bring an older home up to current building codes, and hard to replace elements. If your home has antique doorknobs, they will be more expensive to replace than standard knobs, for example.
Types of Coverage
A standard homeowner’s policy doesn’t cover everything that can damage your home. You may need a separate policy for floods and earthquakes. You may also need rider policies if you have expensive jewelry or antiques.
If you need home insurance or aren’t sure that your current coverage is adequate, contact us at AWARD Insurance Group in Dalton, GA. Our agents will explain the homeowner’s policy options and help you select the right coverage for your needs.
Dalton, GA is a great place for anyone to work and live. If you are going to live in this area of Georgia, it would normally be much easier and convenient if you were to purchase or lease a car. When you do get a car, you should carefully consider all of your needs. This can include getting auto insurance. There are several benefits that come when you get auto insurance in Georgia.
Provides Valuable Protection to Policy Holder
One of the advantages of getting auto insurance in this area of Georgia is that it can provide you with valuable protection. If you have a full auto insurance policy with collision and comprehensive auto insurance coverage, you will have protection if your car is stolen or damaged. This can help protect your asset and investment. You will also receive valuable liability coverage, which will be helpful if you are ever at fault in an accident.
Ensures Legal Compliance
Similar to any other state, when you own and drive a car in Georgia, you are going to be required by law to carry some auto insurance. The state wants to make sure that you are able to pay for damages if you cause any in an accident. Due to this, having auto insurance will ensure you stay in compliance with state law.
If you are in the Dalton, GA, and shopping for auto insurance, it would be a good idea to contact AWARD Insurance Group. When you call the AWARD Insurance Group, you are going to receive the support and guidance that you need to choose a new insurance policy. The team here focuses on assessing someone’s individual situation to make sure they are able to determine what type and level of coverage are right for you.
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.
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.
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.