FOR A FREE,
NO-OBLIGATION QUOTE
call
NO-OBLIGATION QUOTE
call
540.382.4277
e-mail us at
doveins@infionline.net
doveins@infionline.net
13 RADFORD STREET
CHRISTIANSBURG, VA
CHRISTIANSBURG, VA
540.382.2522 fax
Monday-Friday
9:00AM-5:00PM
9:00AM-5:00PM
AUTOMOBILE INSURANCE
There is a lot to know about auto insurance in order to fully understand what you're paying for. The following information provides a quick education to help you navigate the twists, turns and choices involved in buying auto insurance. Auto insurance includes three broad coverage categories designed to protect you from financial loss if you have an accident:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Within the three broad coverage categories listed above, an auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
• Liability
• Medical payments
• Uninsured motorist/Underinsured motorist
• Damage to your auto
• Personal injury protection (No Fault)
• Additional, optional coverages
Remember that in order for your insurance coverage to take effect, all drivers and cars must be specifically listed on your policy. You should also refer to your automobile contract for the specific terms and conditions of the coverage that you have purchased. If you have any further questions you should speak directly with an independent agent.
HOMEOWNERS INSURANCE
We offer coverage for your home, its contents, plus other valuable possessions. We also offer additional endorsements so you can customize your coverage to fit your needs. Homeowners insurance is basically designed to bring your home and possessions back to the same condition they were in before a loss occurred. There are several different types of homeowners policies offered by a wide variety of insurance companies and not all coverages are the same or are available in all states. You should speak directly with an independent agent about your specific coverage needs. Topics to discuss with your agent include:
• Dwelling (a.k.a. Coverage A)
• Other structures (a.k.a. Coverage B)
• Personal property (a.k.a. Coverage C)
• Loss of use (a.k.a. Coverage D)
• Covered perils
• Exclusions
• Limits of liability
• Deductibles
• Optional coverages
• Personal property exclusions and limits of coverage
• Personal liability (a.k.a. Coverage E)
• Medical payments (a.k.a. Coverage F)
• Bodily injury
• Property damage
• Liability coverage exclusions
• Umbrella or excess liability coverage
There is a lot to know about auto insurance in order to fully understand what you're paying for. The following information provides a quick education to help you navigate the twists, turns and choices involved in buying auto insurance. Auto insurance includes three broad coverage categories designed to protect you from financial loss if you have an accident:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Within the three broad coverage categories listed above, an auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
• Liability
• Medical payments
• Uninsured motorist/Underinsured motorist
• Damage to your auto
• Personal injury protection (No Fault)
• Additional, optional coverages
Remember that in order for your insurance coverage to take effect, all drivers and cars must be specifically listed on your policy. You should also refer to your automobile contract for the specific terms and conditions of the coverage that you have purchased. If you have any further questions you should speak directly with an independent agent.
HOMEOWNERS INSURANCE
We offer coverage for your home, its contents, plus other valuable possessions. We also offer additional endorsements so you can customize your coverage to fit your needs. Homeowners insurance is basically designed to bring your home and possessions back to the same condition they were in before a loss occurred. There are several different types of homeowners policies offered by a wide variety of insurance companies and not all coverages are the same or are available in all states. You should speak directly with an independent agent about your specific coverage needs. Topics to discuss with your agent include:
• Dwelling (a.k.a. Coverage A)
• Other structures (a.k.a. Coverage B)
• Personal property (a.k.a. Coverage C)
• Loss of use (a.k.a. Coverage D)
• Covered perils
• Exclusions
• Limits of liability
• Deductibles
• Optional coverages
• Personal property exclusions and limits of coverage
• Personal liability (a.k.a. Coverage E)
• Medical payments (a.k.a. Coverage F)
• Bodily injury
• Property damage
• Liability coverage exclusions
• Umbrella or excess liability coverage
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