Three questions you need to ask before purchasing condo insurance

Purchasing a condo is an investment that you need to protect with adequate insurance coverage. There are some distinct factors that apply to condo insurance that may not apply to traditional homeowners’ insurance. You need to be aware of these factors to choose the right policy.

The following are five important questions you need to ask before purchasing insurance for your condo unit:

Is there any coverage from the HOA insurance for injuries within your unit?

Condominium complexes generally have master policies owned by their homeowners’ association that will offer coverage for certain liabilities and accidents.

You need to find out what the master policy covers and whether or not it covers any liabilities for accidents that take place in individual units. If this type of coverage isn’t offered at all, you’ll need to take care of it independently through your own policy.

Do you have association insurance and what’s the deductible?

If the master policy at your condominium complex does offer some coverage, you need to find out what the deductible is. As a unit owner, you may be responsible for covering the deductible in the event of an accident.

If the deductible is particularly high, you may want to consider purchasing your own policy to cover you.

Does the condo insurance policy you’re considering offer coverage for special types of damage like floods and wind storms?

Depending on the area where your condo is located, you may want to get additional coverage for natural disasters like floods and wind storms.

Condos located in coastal regions and regions that are susceptible to tornado or hurricane damage often require additional coverage.

Contact AWARD Insurance Group serving Dalton, GA to learn more about the condo insurance option that’s right for you.

3 Things You Should Make Sure Are Covered With Your Home Insurance

According to Award Insurance Group serving the city of Dalton, GA, there are certain important things that most home insurance do not cover. It is better to either include them on your own or select an insurance policy that does.

Here are some things that most home insurance policies don’t cover.

1. Business equipment and asset

In the bid to cut the running cost of their businesses, a lot of people now run their business at home. Some people create an office space for themselves on their properties. Unfortunately, most home insurance policies do not cover business equipment and assets.

So, in case of break-ins or a disaster, you won’t get a dime on your business equipment and assets. To avoid such disaster, it is better to review your policy to cover your business assets and equipment the moment you begin to work at home.

2. Collectibles and valuables

You may have certain items at home that are simply priceless to you because of their significance. For instance, heirlooms are usually very valuable irrespective of their financial cost. Most home insurance policies do not cover these items.

It could also be a set of jewelry that is so much valuable. Most home insurance policies will not cover this. So, you need to take time to confirm this and you can ensure it is included in your policy.

3. Repair cost

There may be a break-in, flood, fire, or any other disaster. Only very few policies will cover the repair cost and out of the policies that do, some of them usually have one restriction or the other. Some policies will stipulate that you must hire a particular company to handle your renovation work while others will put a cap on the amount of compensation you will get no matter the extent of the damage. So, you should find out your prospective insurance companies stand on repair cost. Make sure you change it to remove all the restrictions.

For more information about home insurance in Dalton, GA contact the Award Insurance Group.

Importance of Workers Comp Coverage for Small Businesses

As a small business owner, you are responsible to provide a safe work environment and protect your employees while they are on the job. Workers’ comp insurance is one means of protecting your workers’ interests. Workers’ comp pays for medical expenses of employees who have accidents on the job. It also covers lost wages while employees are recovering from their injuries. With workers’ comp insurance from AWARD Insurance Group, your employees will be well cared for in the event of accidents on the job.

The following facts support the importance of workers’ comp insurance in protecting your Dalton GA business and helping it grow:

Most states require that businesses obtain workers’ comp insurance if they meet certain criteria. In Georgia, businesses with three or more part time, full time or seasonal employees are required by law to have this coverage. Businesses could be penalized for failing to comply with this state regulation.

Without workers’ comp insurance, business owners may be liable to pay for a worker’s medical expenses and lost wages out of pocket in the event of accidents on the job. In the event of a serious accident, this could greatly deplete a company’s financial resources.

In most cases, workers’ comp insurance covers job-related injuries regardless of who was at fault. It also protects employers against lawsuits employees may file to receive compensation for accidents on the job.

Workers comp insurance covers workers even when they’re performing work duties outside the workplace. If, for example, one of your electricians is injured repairing wiring in another business or residential home, workers’ comp will cover medical costs.

At AWARD Insurance Group, we can help you obtain adequate worker’s comp coverage to suit your small business needs. To learn more about workers’ comp coverage and costs, contact our Dalton, GA office today.

Three Winter Riding Tips

Winter has been one of the coldest in history this past year, even in Dalton, GA Snow, which has happened a few times this season, used to be a fairly rare occurrence. When riding a motorcycle, navigating these conditions is much different than in the summer. Here are three riding tips that should help you to adjust to these hazardous conditions.

1. Layers

With wind chills getting into the single digits, the most important thing is how you dress. Make sure you are wearing way more layers, especially around your face, hands and feet. Getting numb fingers could be hazardous and cause you to wreck. Wind at that temperature can also cause frost bite to your ears and nose. There are tons of rider-specific winter gear to check out.

2. Tires

Those tires you have been meaning to buy? Go ahead and do it before you hit the road. Tires that are extremely cold do not have great grip, and if you are running on an old pair, this could be doubly dangerous. 

3. Avoid the Snow

Every time it snow in the south, there is a mad dash to the supermarkets to buy up the entire milk and bread aisle. The second thing is that southerners, in general, struggle to drive in the snow. Accidents pile up all over the place because the roads are not salted and people try to take it too quickly. People are already bad about driving around motorcycles. Add in some winter weather, and it turns into a disaster.

Following these tips can keep you safe for the winter. AWARD Insurance Group, serving Dalton, GA wants you to have a safe winter. Give us a call today to get a quote on your motorcycle insurance needs. AWARD Insurance Group is ready to serve you.

Do I Need RV Insurance When Not in Use?

Owning an RV to explore the area of Dalton, GA and beyond can be a lot of fun. However, just like any other vehicle, this comes with certain responsibilities. One of these is to make sure your RV is properly insured. Not only do you need insurance to protect the investment you have made, but there are some cases it is legally required. 

When is RV Insurance Not an Option? 

While there are exceptions to every rule, the times that RV insurance will be mandatory include if your RV is a motorhome if your RV is a rental and if you don’t own the RV outright. In these situations, it is best to work with the AWARD Insurance Group to ensure you get the coverage you need. 

When is RV Insurance Optional? 

In most cases, if your RV is towable, but not drivable, and when you own it outright there is no law that states you must have insurance. Also, if you are not using the vehicle, or taking it on the road, you don’t legally have to have insurance on it. 

However, you have to consider factors such as outside damage from weather, falling trees, something running into it while parked and more. There are countless things that may cause damage to your RV, even when you aren’t using it. If you don’t have coverage, then this means you will have to cover all this damage out of your own pocket. Is this really something you want to do?

It is best to work with AWARD Insurance Group serving the Dalton, GA area to determine your specific needs and how much RV insurance you need to purchase. This is the best way to protect your RV from damage or other issues that may arise. 


Possible Penalties for Not Having Motorcycle Insurance in the State of Georgia

Every rider in the State of Georgia is required to have motorcycle insurance for their bike, and they must provide proof that they have an active policy if they’re pulled over by law enforcement. Otherwise, they can face certain penalties. Insurance companies are required to submit electronic reports of any information about your policy, and it’s listed in a database that’s run by the State. It helps them to determine if you’re able to meet certain “financial responsibilities” that comes with your bike’s operation.

What Can Happen to You if You Fail to Meet State Requirements

Failing to meet the financial responsibility requirements for the State of Georgia can result in some severe penalties, but it can depend on the number of offenses. Some of them may include:

• A suspension of your motorcycle’s registration.

• A $25 lapse fee and a $25 reinstatement fee for your motorcycle’s registration.

• Possible misdemeanor charges if you ride your motorcycle before you pay the necessary fees and reinstate your registration.

Be sure to speak to an agent so you can get more details on motorcycle insurance and the amount of coverage you need to meet state requirements.

Getting an Affordable Motorcycle Insurance Policy in Dalton, GA

If you want to find an affordable motorcycle insurance policy in Dalton, GA, AWARD Insurance Group has a team of experts who can help you find the right policy for your specific situation. We have been helping the people of Dalton, GA get the insurance that they need, and we can get it at a price that they can afford. Be sure to contact AWARD Insurance Group to find out how our policies can help you get the necessary coverage for your bike.

Importance of Having Umbrella Insurance in Dalton, GA

You have invested a lot of time and money to be where you are today; this includes owning a home, saving for retirement or even owning a car or a boat. These assets are not only your markers of success, but also they are your financial future and security. They could be at risk in a case of an accident or liability law suit.

There are many reasons why you need umbrella insurance in Dalton, GA, and we, at Award Insurance Group, offer individuals with excellent insurance policies to keep you protected. Some of the reasons why you need umbrella insurance are;

Accidents happen all the time

No matter how you try to avoid them, accidents happen from time to time. If you are liable for an accident which involves damages of significant property or extensive injuries to other people, then your hand-earned assets could be put at risk. The losses could exceed the value of your auto insurance, and that is why you should consider getting an umbrella policy. It protects you above the limits of your auto coverage. It helps to protect your assets to protect you from financial hardships.

Law suits are common

It is not only a vehicle accident you need to worry about. You also have to protect yourself from other incidences. Take a situation where you are holding a party, and someone slips and fall in your compound and is injured. The injured may decide to sue you, and the lawsuit may be very costly more than your liability coverage. An umbrella policy will protect you from destroying your financial security by a lawsuit.

An umbrella insurance policy from Award Insurance Group can offer you protection above your auto and homeowners insurance. It helps you protect your finances thus keeping your family sorted. If you are in Dalton, GA, come to us and let us discuss a quote so you can get started.

Can You Take Out Condo Insurance on a Vacation Rental Condo?

If you have purchased a condo which you intend to use solely as a vacation rental property, you may be wondering what type of insurance you need on this property. This is a common question that we at AWARD Insurance Group, serving the greater Dalton, GA area, are asked. Here is some information you should know about insuring a condo you are using primarily as a vacation rental property. 

Can You Take Out Condo Insurance On a Vacation Rental Condo? 

In most cases, a standard condo insurance policy cannot be used on a vacation rental condo. If you are renting the property out for money, you will likely need some type of a business or commercial insurance policy on the unit. Most traditional condo insurance policies preclude business activities, such as vacation rentals, from their policies. 

What Type of Insurance Do You Need for a Vacation Rental Condo?

The type of insurance you will need varies on many different factors, including how long you rent the property out for and whether you live in it for any period of time. Short term rental insurance for owners can help to protect your property when you are renting it out for short stays, typically less than a month. If you are renting the property out for a long period of time to one renter, usually a few months or longer, you will typically need a landlord insurance policy. 

If you are looking to obtain any type of insurance to cover a condo you have purchased, AWARD Insurance Group, serving the greater Dalton, GA area, can help. Let us help you determine what type of insurance is right based on the way you are using your condo and then find the right policy to fully protect your investment. Contact us now to get started. 

“I Have A Policy Through My Job”: Do You Need Life Insurance In Addition to Employee Coverage?

Reward Yourself

You work hard for everything you have. Why would you jeopardize all of your hard work with inferior insurance coverage? We want you to have a clear understanding of your insurance needs so that you can get the right insurance coverage. At AWARD Insurance Group in Dalton, GA you will feel that every question was answered about your policy and you will definitely know more than before you came in.

Employer – Sponsored Life Insurance Vs. a Personal Policy

Being properly insured depends on what your own personal comfort level is. Read the policy that you own through your employer. If there are questions that you have reach out to the HR Department to find someone who will properly answer those questions.

Evalute your individual life circumstances. After you have acquired a full understanding of the insurance policy that you have at work, decide if you need additional insurance. Some people just want enough insurance to take care of their funeral expenses, others want to leave money behind.  

Speaking with an agent regarding this is a valuable part of your research. They will be able to help you plan well for your present situation and also help you look toward what you expect may be your responsibilities and desires in the future.

It is all about having adequate information to make a decision. Call us!     

Ready to boost your insurance knowledge quotient? Come in today to speak with one of our agents. You will be surprised by how much you already know and you will learn more about protecting what matters by our staff at AWARD Insurance Group. If you are in the Dalton, GA or surrounding areas contact us today!


Myths and Assumptions made by new home owners from the North

When moving from a northern climate like the Midwest or New England, often people make assumptions about what they need for homeowners insurance and life in general when moving to the Deep South.  AWARD Insurance Group serving Dalton, GA understands that a move can be daunting and is there to help you assess your needs, and help you acclimate.

Insurance varies from state to state, not only in its coverage but also in it’s deductible. It’s a good idea to check what you are covered for and what you need.

Myth #1

There’s no snow, and unless you are on the shore, there’s no flooding.

According to FEMA, flooding is the most frequent natural disaster in the US. Most policies do not cover flood damage, but often a supplemental flood insurance can be added to your portfolio. While beach front is often overlooked in Georgia, it does boast some of the most beautiful beaches on the Atlantic, those houses perched on the beach will be a bit more for flood insurance than low to moderate zones

Myth #2

My medical expenses are covered by homeowners insurance.

It actually covers the medical of a guest who might be injured in your home. 

Myth # 3

You can buy a home without having home insurance.
Just like up North, if you have a mortgage, most lenders require you to purchase insurance.  However, it’s up to the homeowner to get appropriate insurance for their area and home.

From barbeque to grits to cornbread to boiled peanuts, Georgians take southern cuisine seriously. AWARD Insurance Group serving Dalton, GA takes your insurance seriously.  To answer any of your homeowner’s insurance questions. Just give them a call or stop in for a visit.