Dove Insurance Agency is family owned and operated; the same way we’ve been for over 50 years!
Let us help with your Home, Auto, Motorcycle, RV, and rental properties today. It’s free to quote and we’ll compare rates with multiples carriers to get you the lowest price without sacrificing your coverage limits.
It’s easy to switch and you’ll get a refund from your prior carrier as they’ll only charge for the number of days the policy was in force.
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And the best part, we’re here for you when needs arise such as policy changes, billing questions, reporting claims, or questions regarding coverage.
Whether you have an existing business or planning to start something new it’s important to include insurance cost in your budget.
The actual cost will depend on the type of business you have and the coverages you need. For example, many trade contractors can purchase a basic General Liability policy for less than $50 per month. However if you have employees, subcontractors, or equipment to insure then the cost may be more.
If you have property or equipment then a Business Owners Policy may be the most appropriate. A Business Owners Policy can be tailored for most Offices, Retailers, Service Providers, and even Restaurants. How much does it cost? It will depend on your business class and activity.
The easiest way to get covered is to fill out an online quote. This will let you quote multiple lines of business instantly. It’s easy and quick!
As always, if you would like to discuss your needs with one of our agents then feel free to call us at 540-382-4277. We serve the entire State of Virginia!
Too often the topic of insurance gets placed solely on price. It’s easy to get a comparative rate, and no, online rates are not definitely cheaper than working with a local agent. But going simply off price and ignoring the lasting partnerships that you can create within your community and you may miss out in the long run.
Many of us support shop local, eat local, and buy local campaigns. So why not choose to place your insurance business local?
For over 50 years Dove Insurance Agency has served the Commonwealth of Virginia as an Independent Agency for Home, Auto, Life, Business, and Recreational insurance. Based in Christiansburg, Va, we’ve built partnerships across Virginia. We’re here for you, let us help.
General Liability is an important Insurance Protection for your Janitorial or Cleaning Business. General Liability Insurance protects you and your business from claims and costs from third party bodily injury or property damage accidents.
It does not cover damages to your own property or injury to your employees. Separate coverages are available for those exposures.
Cold weather can wreak havoc on the roads. While snow and ice are visible signs that we can watch for when we drive, but other signs aren’t so easy to see but can be equally dangerous. At Dove Insurance Agency, the agents offer advice to their clients in Blacksburg, VA when it comes to staying safe on the roads during the winter months.
Bridges Freeze Faster Than Roadways
Because air is continuously flowing above and below bridges, their surfaces tend to freeze over faster. This can mean slick spots that will send you spinning out of control if you hit them too fast. Slow down when approaching a bridge if the temps are below freezing.
Black Ice is Invisible
Black ice can be found anywhere on the road where moisture collects. Once the water freezes, it blends in with the surface of the road and is difficult to see. Always drive carefully and be aware of the road conditions. If temps are below freezing, drive as carefully as possible.
Allow Your Car Time to Warm Up Before Leaving
Driving your car while the engine is still cold can increase wear and tear. Start your vehicle and allow it to warm up for a few minutes before leaving. This gives the oil enough time to warm up and coat all the parts before you put a load on the engine.
The agents at Dove Insurance Agency offers assistance to their clients who live in Blacksburg, VA and want to know more about safe driving and weather conditions. If you want to learn more, call our office today!
If you’re purchasing a new home in Virginia or simply looking for a better rate then contact our family of Independent Agents today. We can coordinate around your closing and will compare rates to help find you the best combination of price and coverage.
We represent multiple insurance providers, instead of working for one company.
One item to consider when purchasing a homeowners policy is selecting the policy deductible. Remember, this is the amount you’ll pay out of pocket before your policy coverage begins.
In Virginia, homeowners insurance is available with deductibles starting a $500 or $1000.
Why is this important?
Because many carriers are increasing their minimum policy deductible to $2,000 and sometimes percent deductibles! That means more money out of your pocket before your policy will cover a property loss.
So talk with our family of Independent Agents today or start an online quote and discover everything we can do for you.
When purchasing life insurance, the question really isn’t how much you need, but how much capital your family will need at the time of your death, which depends on two variables:
Expenses. How much will be needed at death to meet immediate obligations? This amount takes into account all final expenses: uncovered medical bills, funeral and estate-settling costs, outstanding debts, mortgage balance, and college costs to name a few.
Income. How much future income is needed to sustain the household? This is the number you’ll arrive at after calculating the “present value” of cash-flow streams your family will need after your death.
During the fall and winter in southwest Virginia it’s common for cold fronts to bring strong winds to our area.
So what happens if a storm damages your roof and blows some shingles off? Is this covered by your homeowners policy?
Yes, partially damaged roofs are covered on your homeowners policy. However, your deductible applies first before coverage is available. Remember that your policy deductible is the amount you’re responsible for before insurance “kicks in.”
Homeowners insurance only pays for the damaged part of the roof. So if a storm blows some shingles off or if the roof is partially damaged, your policy will not pay for a brand new roof. Again, only the damaged part is covered.
A typical homeowners policy will have a deductible of $1,000. It’s a good idea to review your deductible every few years to see if you have enough cash saved in case of a claim. A higher deductible will lower your policy premium.
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.