What is a Protection Class?

If you look on your homeowners, landlord, or mobile home policy declarations page, somewhere you will find the Protection Class (PC). So what does this mean and how does this affect your insurance rate?

Protection Class

Simply put, your Protection Class is a rating from 1 to 10 that represents municipal fire-protection efforts in communities throughout the United States. Lower numbers generally reflect superior fire protection.

“By classifying communities’ ability to suppress fires, ISO helps the communities evaluate their public fire-protection services. The program provides an objective, countrywide standard that helps fire departments in planning and budgeting for facilities, equipment, and training. And by securing lower fire insurance premiums for communities with better public protection, the PPC program provides incentives and rewards for communities that choose to improve their firefighting services.”

Source: www.isomitigation.com/ppc

Affects On Insurance

A general way to think of Protection Class is “in town or out of town.” Do you have fire hydrants on your street ? Is your responding fire department within five miles?

These two questions are very important in determining your protection class. Most insurance carriers will automatically find your Protection Class when validating the property address.

For example, our office is located on 13 Radford St, Christiansburg, VA 24073. We are in Christiansburg town limits. Our properties’ protection class is 5. Most in town locations in Christiansburg are a class 5, but again this is dependent on your specific address.

Protection Class is one of many factors that goes into your insurance premium. That’s why it’s important to work with an Independent Agent who represents multiple carriers to help compares rates and available coverages.

It’s important to note that some insurance carries do not offer products in higher protection classes. For example, a owner occupied homeowners policy with a protection class of 10 is not eligible with every homeowners carrier in Virginia.


Serving the Commonwealth of Virginia For Over 50 Years!

Working with Our Independent Agents constitutes a promise, from our family to yours. We are here to educate you on how to keep covered and secured, no matter what the future may hold.

Our family of Independent Agents will find the best package for your needs. We represent multiple insurance providers and we work for you!

No Matter Where You Live In Virginia!

3 Safe Driving Tips for Teens

As a teenager, getting your drivers’ license is the ultimate badge of honor. Being a safe driver comes with experience but it is also something that is taught. Parents who live in Blacksburg, VA can rely on the agents of Dove Insurance Agency to provide sound advice for their young drivers. The following tips will allow parents to set good examples while they are on the road.

Eliminate Distractions

Eliminating distractions may be easier said than done. You can start by limiting the number of passengers in the vehicle to one. Encourage your teen to set the radio to the station they want prior to leaving and only change the setting when they are stopped. The same is true for using a GPS or other electronic device.

Keep Cell Phones Out of Reach

Cell phones are the ultimate distraction but they can also be useful. If your teen is using their phone as a GPS, encourage them to enable their route before they leave. Putting their phone in a secure holder will allow them to see the screen without touching the phone. Remind them not to text or place phone calls while they are on the road.

Always Leave Early

As teenagers continue to gain experience, they become better drivers. Teaching them to leave early allows them to take their time. Rushing leads to mistakes and mistakes lead to accidents. Leave early and always be cautious.

Our Family of Independent Agents help parents find answers to many of the questions they have about their auto insurance. They can also learn ways to help their teens become safer drivers.

No Matter Where You Live In Virginia!

We have been extremely fortunate to work throughout Virginia to build lasting partnerships with our clients.

  • Are you in the market for personal insurance like Home or Auto?
  • Looking to protect your Small Business with the right amount of insurance coverage?
  • Have questions about Life Insurance and don’t know where to start?
  • Is your family growing and you need to be prepared for what’s ahead?
  • Do you have rental property that needs proper protection?

Get your insurance questions answered by experienced, local agents. No call centers. No random employees. Simple one-on-one discussions.

Dove Insurance Agency is also a Dave Ramsey Endorsed Local Provider (ELP).

Can Heat Type Affect Home Insurance?

There are numerous factors that are used to calculate your home insurance rate. Some of these are obvious, like brick vs frame, age of the roof, and when the home was built. But there are other less obvious characteristics than can affect your rate, and in some instances, your eligibility.

Types of Acceptable Heat

Electric heat (heat pumps, electric baseboard) and gas furnaces (natural and propane) are generally acceptable heating types as long as they’ve been updated/and or serviced within the guidelines provided by your carrier.

Underground fuel tanks (ex. oil tanks) are generally not acceptable for home insurance. It does not matter if the tank is used or not. Some carriers will accept underground tanks so it’s important to check your carriers’ underwriting guidelines for acceptability.

Wood stoves are acceptable in certain scenarios. Again, you’ll want to check with your carrier about acceptability for wood stoves and inserts. One item to note about wood stoves is that they cannot be the main heat source—this is generally unacceptable by the majority of insurance carriers.

We Don’t Work For Just One Insurance Carrier

At Dove Insurance, we’ve worked with our clients across the Commonwealth of Virginia for over 50 years to help them make the right decisions. By choosing Dove Insurance, you can cover any of your personal and commercials insurance needs, such as:

Personal Autos
Rental Properties
Life Insurance
Flood Insurance
Classic Cars
Commercial Auto
Personal Umbrella
Renter’s Insurance
General & Excess Liability
Businessowners Policy
Commercial Packages
Commercial Umbrella
Worker’s Compensation

Need Insurance in Virginia? Let Us Help.

EMAIL US:   Michael Dove  |  Elaine Dove  |  Joshua Dove

At Dove Insurance Agency our family of Independent Agents are dedicated to serving you and working with your lifestyle. We’ll educate you on the coverage you need to keep your property and family secure, no matter what the future brings.

Short on time? Start an online quote with us today!

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available.

We’re here to serve you.

Blacksburg • Christiansburg • Salem • Radford • Roanoke 

And the best part, we’re here for you when needs arise such as policy changes, billing questions, reporting claims, questions regarding coverage, or comparing quotes. 

Let us help.

Can You Reinstate A Cancelled Insurance Policy?

Insurance policies—home, auto, motorcycle, etc..— can cancel for many reasons. And the most likely cause is for non-payment. So can you reinstate a cancelled policy? To put simply: yes, but it depends on your carrier and the specifics of your policy situation.

For starters, personal insurance policies will cancel on the specified cancellation date at 12:01 AM of that day. For example, if your personal policy is set to cancel on Oct. 1st for non-payment then your policy officially cancels at 12:01 AM on Oct. 1st.

Depending on your insurance carrier you may be able to reinstate your policy. Typically you’ll be required to sign a statement of no loss, which if applicable states that you have had no losses since your policy has cancelled and the requested time of reinstatement.

There are many other factors that can affect the specifics of your situation. Some carriers may charge a reinstatement fee. Depending on the length of time between your cancellation and requested reinstatement, the amount to reinstate could be higher than your previous bill.

If your policy has cancelled for non-payment or is about to cancel the best advice is to contact your independent agent or insurance carrier. At Dove Insurance, we can walk you through your options.

Serving the Commonwealth of Virginia For Over 50 Years!

At Dove Insurance Agency our family of Independent Agents are dedicated to serving you and working with your lifestyle. We’ll educate you on the coverage you need to keep your property and family secure, no matter what the future brings.

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available.

We’re here to serve you.

Blacksburg • Christiansburg • Salem • Radford • Roanoke 

And the best part, we’re here for you when needs arise such as policy changes, billing questions, reporting claims, or questions regarding coverage. 

Let us help.

Common Life Insurance Misconceptions

Dove Insurance Agency assists the Blacksburg, VA community, as well as the surrounding areas by offering multiple types of insurance policies. As an independent agency, we have established successful partnerships with multiple insurance providers. This allows us to help our clients regardless of their needs.

Life Insurance

Life Insurance provides a safety net for you and your family once you pass away. Term life insurance covers you over a specified period of time. The most common length of policy is between 10 and 20 years. Whole life insurance covers you throughout your entire lifespan. As you are researching different policies, please try to avoid some of the common misconceptions about life insurance that people believe are facts.

I Can Just Rely On My Coverage Provided Through My Job

While your employer may provide you with substantial coverage, it may be a mistake to simply rely on that policy. Adding extra coverage provides an additional layer of protection so that you’ll be covered regardless of any circumstances that may arise.

Single people Don’t Need Coverage

While you may be single right now, you don’t know what the future holds. It’s important to think about where you might be five years from now. Life insurance ensures that regardless of what path you take in the future, you’ll still have protection.

Stay At Home Parents Don’t Need It

This is not true. As a stay at home parent, you provide an important service that is difficult to replace. Life insurance provides a layer of protection in the event that you pass.

I Can Easily Change My Policy

Research the language in your policy carefully, as you may have to fill out paperwork in order to change a term life policy into a whole life policy, for example.

Dove Insurance Agency Can Help You

If you are a Blacksburg, VA resident, and you’re looking for help discussing your life insurance policy options, please contact us.  

What Is Depreciation Holdback?

Standard Virginia Homeowners insurance policies are written on a replacement cost valuation. So why do insurance companies sometimes use deprecation when it comes to filing a homeowners claim?

When you file a homeowners claim your insurance carrier will make an initial assessment of the damage to determine how much it will cost to repair or replace the damaged property. Since this estimate is only an estimate, your carrier may withhold a portion of that claim settlement until the actual replacement cost has been determined. An insurer will never pay you more than you are owed for a loss and if damaged property is not repaired, you may only receive the actual cash value.

Sometimes your claim settlement depends on the type of loss that occurred. For example, your insurance carrier may not pay anything until all the work has been performed on your roof after it has been damaged and no payment may be made until the roofing contractor has completed their work.

In another example, after a lightning strike your insurance carrier may pay a portion of the claim settlement up front so you can begin to replace the damaged property. With appliances (like heat pumps), it can be difficult to determine the exact value of an item that is several years old, so carriers tend to withhold a greater amount of the settlement for depreciation (depreciation holdback). After submitting receipts showing the cost and installment of the new replaced items you will be reimbursed for the difference (minus any deductible).

Depreciation holdback does not happen in every instance, but is one of the ways your claim can be processed.

Serving the Commonwealth of Virginia For Over 50 Years!

At Dove Insurance Agency our family of Independent Agents are dedicated to serving you and working with your lifestyle. We’ll educate you on the coverage you need to keep your property and family secure, no matter what the future brings.

And the best part, we’re here for you when needs arise such as policy changes, billing questions, reporting claims, or questions regarding coverage. 

Let us help

New Car Replacement Coverage

Many auto insurers offer optional coverages for your new vehicle, and perhaps the best is new car replacement coverage.

Simply put this coverage pays to replace your vehicle with a brand new car of the same make and model—meaning no depreciation!

Are there restrictions? Of course. For starters your vehicle must be new. Some carriers will allow “newer” vehicles and the year cutoff depends on the company’s underwriting guidelines.

Our Family of Independent Agents represent multiple carriers, but I think the Premier New Car Replacement® coverage from Travelers Insurance is the headliner. While many insures offer coverage for the first two or three years, Travelers will cover up to five.

Below is some additional information on this offering from Travelers:

What Does Premier New Car Replacement Cover?

Premier New Car Replacement is a coverage package designed to replace your new vehicle with a brand new vehicle of the same make and model if yours is totaled in the first five years of ownership.

You must be the original owner and the vehicle must be the current or a future model year at the time you add this coverage.

This coverage includes:

New Car Replacement Coverage

This covers the cost of a new car of the same make and model, minus the applicable deductibles, if your car is totaled in a covered loss. Fire, theft, larceny and flood losses are excluded.

Loan/Lease Gap Coverage

This coverage protects you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.

Glass Deductible

This is a lower deductible that can be applied in place of your comprehensive deductible for a glass-only loss involving your windshield, windows, and exterior lights or mirrors.

What’s the Least Amount of Auto Insurance Coverage Required?

Every states require drivers to carry a minimum level of auto insurance. However, those minimums vary from state to state.

Virginia’s State Minimums for Auto Insurance

Virginia’s state laws require all drivers to carry a minimum liability insurance policy of $25,000/$50,000/$20,000, unless a higher amount is specified by Virginia DMV (For example, if you need an FR-44).

The above amounts are read as bodily injury up to twenty-five thousand dollars a person and fifty thousand dollars per accident, whereas property damage coverage must be maintained at twenty thousand dollars per accident. Uninsured motorist coverage must include twenty-five thousand dollars per person and fifty thousand dollars per accident, and twenty thousand dollars per accident.

Higher Limits Are Available

While the minimum state requirements are just that—the minimum— it’s recommended to purchase higher limits to help protect your assets.

For example, if you’re a homeowner then you should purchase no less than $100,000/$300,000/$100,000 limits. If you have higher valued assets (such as rental homes, RVs, etc..) or have higher exposures, higher limits are generally recommended, perhaps combined with an umbrella policy.


Whether you need new coverage or have questions about your existing policy, we have answers.

  • Do you know how far your current coverage extends in the event of an accident?
  • Is your Bodily Injury Liability limit enough to protect your assets?
  • Do you currently have the right comprehensive & collision coverage for your vehicle?
  • How much do you pay out of pocket before a claim is covered?
  • Will your policy cover a glass claim?

Bodily Injury and Property Damage Liability  This covers your legal liability for a covered accident that involves injury to another person or damage to someone’s property, up to the limit of liability you select.

Uninsured Motorist Coverage.   This provides protection against uninsured drivers and is available in form of uninsured bodily injury and property damage. It’s meant to compensate for the repair and replacement expenses from under/uninsured motorists.

Collision Coverage.   This takes care of all expenses incurred, minus the deductible, in the form of repair and replacement costs at the time of the accident.

Comprehensive Coverage.   Also known as Other Than Collision Coverage, this is meant to cover the damages that occur or might have occurred because of events other than accidents. These events could be a flood, fire, theft, vandalism, glass, collision with an animal, floods and other natural disasters.

Plus many options, and some unique to specific carriers, such as Towing and Roadside Assistance, Rental Car Coverage, Income Loss, New Car Replacement, Pet Injury and Medical Payments.


Safe Drive, Accident Forgiveness, Diminishing Deductible, Multi-policy/Multi-car, Homeowner/Renter, Pay in Full, EFT/Paperless, New Car Replacement, Education, Employment, and much more!

We’re Here to Help

At Dove Insurance Agency, our family of Independent Agents are dedicated to serving your auto insurance needs. We will help educate you on available coverages, and how much you need for your vehicle.

No matter where you live in Virginia, we have an auto insurance policy to fit your situation.

Contact us today at 540-382-4277

Get Guaranteed Value for Your Classic Car, Boat, or Motorcycle

For over 50 years Dove Insurance Agency has served the Commonwealth of Virginia, helping individuals and families find proper coverage for their needs.

One of our favorite areas of available products is insurance coverage for your classic car or recreational vehicle. There’s an excitement with the owners of these machines, and getting to the know the story behind the investment is captivating.

When it comes to insurance, do not make the mistake of simply insuring these classics on your personal auto policy—especially if they’ve held their value. A stated amount policy means coverage is available up to that amount but will pay this amount or the ACV (actual cash value), whichever is less!

That’s why our family of Independent Agents have partnered with Hagerty® to provide first class coverage for your investment.

About Hagerty®

Over 30 years, Hagerty has grown to be the leading global provider of classic car and boat insurance, but they’re still just a family business built on love for classics. Their passion drives them to keep improving their product and to give their clients the best service imaginable.

Why Hagerty®?

At Hagerty, they’re as passionate about classics as their clients are. Their deep knowledge of classic vehicles and their owners allows them to offer better coverage for less. They offer:

  • Guaranteed Value™ coverage – They’ll agree up front on a fair value for your classic, and in the event of a covered total loss, you’ll receive that full amount, less any deductible or salvage value, if retained. Guaranteed.
  • Flexible usage – Classic and collector cars were made to be driven. Whether you’re going to a show or taking a cruise to an ice cream shop, you are protected.
  • Hagerty Drivers Club™ – Hagerty Drivers Club™ gives members specialty roadside service designed specifically for classics, automotive discounts, members-only events, subscription to Hagerty magazine and much more – all at an incredible value.
  • Expert claims handling – Their claims adjusters are trained in classic vehicle repair. In event of a claim, they offer stock original replacement parts and even have specialists on staff to hunt down rare and hard to find parts.
  • Low premiums – Because they only protect classics, they’re able to offer insurance at rates considerably lower than daily driver insurance.

What Hagerty Insures:

Hagerty is the world’s leading insurance provider for classic vehicles, offering coverage for classic cars, trucks, motorcycles, boats, tractors and more. Hagerty also offers coverage for high-value collections, overseas shipping and touring, classic car-related businesses and club liability.

Guaranteed Value™

With Hagerty’s Guaranteed Value™ (agreed value) coverage, they’ll work with you to agree on a fair value for the classic, and in event of a covered total loss, they’ll pay that amount (minus any deductible or salvage value if you keep the vehicle).

To make sure your classic is properly protected, contact Dove Insurance Agency today to learn more about a Hagerty policy.