Can a Dog’s Breed Affect Your Homeowner’s Insurance?

Perhaps you already know most of the factors that affect your Virginia homeowner’s insurance. Common factors that will change your premium rates include the location of your home, your claims history, and the overall condition of your home.

But there is one more factor that you need to be aware of, and that is your pet dog. This is one of the most common and riskiest factors that can even prevent you from being insured at all.

Does the Breed Matter?

Yes, the breed of your dog is a critical factor that will be considered when it comes to creating your home insurance policy. Statistics indicate that at least 4.5 million people are bitten by dogs every year which justifies the fact that your dog can be dangerous to your visitors. In fact, according to III (Insurance Information Institute) dog bite claims cost insurers almost $700 million in 2017.

Most of the insurance providers categorize certain breeds as either high risk or even uninsurable depending on the statistical correlation between the breed of your dog and bite claims payout.

For instance, most of the insurance providers won’t cover the muscular and huge dogs that can inflict severe harm from a single bite. Most providers have a vicious dog list that they use to determine the risk involved in insuring a certain breed. Dogs that are included in a company’s vicious list tend to have a higher chance of causing harm to someone else so the liability is even greater and most companies won’t insure such dogs.

The dogs that most insurance providers deem unacceptable include:

  • German Shepherds
  • Great Danes
  • Pit Bulls
  • Akita
  • Dobermans
  • Rottweilers
  • Staffordshire terriers
  • Chows
  • Any wolf hybrid

Note that the above list is general in terms, and each insurance provider has specific lists and guidelines.

Are you a homeowner in Blacksburg, VA? Contact Dove Insurance Agency for a homeowner’s insurance policy. Instead of working for one company, our Family of Independent Agents represent multiple insurance providers to help you find the best rate and coverages.

Let us help.

 

4 Reasons to Purchase Life Insurance Today

One of the best ways to ensure things run smoothly in your wake is purchasing life insurance. It is an excellent method of protecting your family’s finances.

Are you on the fence about purchasing a life insurance policy? The following is an overview of 4 reasons to purchase coverage today.

Tax-Free Loans

One of the best benefits of having a life insurance policy is the ability to take out tax-free loans. An often overlooked benefit of having a life insurance policy is that many people are unaware of the fact that you can often borrow against your policy.

Tax-Free Benefits

On the flip side, another benefit of purchasing a life insurance policy offers tax-free benefits to your beneficiaries as well. This is excellent in that you will be able to let your loved ones know exactly how much money they will be receiving or you can plan everything out yourself, knowing you have enough to cover it. 

Take Care of Funeral Expenses

Life insurance policies also help to cover funeral expenses. Although it may seem grim to plan for such a thing, doing so will ensure your family is not stuck footing the bill for costly funeral arrangements. 

Estate Taxes

Lastly, estate taxes can be costly and can cause many issues when someone is ill or dying. Purchasing a life insurance policy will ensure your family has enough to cover your state taxes when you cannot. 

Overall, if you are seeking a high-quality insurance policy in Blacksburg, VA, Dove Insurance Agency is a fantastic option. Offering outstanding customer service and competitive prices, call, email, or stop by the Blacksburg, VA office to find out how you can start your policy and hopefully save. Contact Dove Insurance Agency today to speak with an agent about your life insurance options.

How Is It Determined That A Car Is Totaled?

The agents of Dove Insurance Agency serve residents who live in and near the Roanoke or Blacksburg, VA area. When it comes to automotive insurance, many of their clients rely on them to explain why their car or truck was totaled after an accident. There are times when a vehicle is totaled, but it still runs and looks as if it could be repaired. It’s important to know how the determination is made when it comes to totaling a vehicle.

Repair Cost vs. Resale Value

The cost of making the needed repairs versus the car’s resale or "book" value will play a definite role in whether the car can be repaired. If the car’s total value is listed at $1000 and the repairs to fix it will cost $1500, the car will be totaled simply because it won’t hold its value if you try to sell it after it’s been fixed. In some cases, the value of the car may hold, but the repairs may be so extensive that the labor makes it a poor repair choice.

Buying the Car

There are some cases where the car is totaled, but the owner has the option to repurchase the vehicle from the junkyard and make the repairs on their own. This is often an excellent choice for an older vehicle that has an engine with low miles. Even though the body may be damaged, the engine still has plenty of life left to it.

If you live in the Roanoke or Blacksburg, VA area and have questions about why a car has been totaled and what your options are, call the agents of Dove Insurance Agency and schedule a consultation today!

Save & Be Properly Covered Today | Let Us Help

You see the bumper stickers, signs, and declarations all across Virginia: Buy Local, Eat Local. Some shout Grow Local!

So why not purchase your insurance local? Insurance is in essence a financial product; it’s a contract designed to help protect you, your family, and those you may come in contact with. Your home or auto insurance policy is not a piece of paper or an ID card. And despite endless TV or radio ads clamoring for you attention, and Independent Agent can offer you more options because we’re not employees. We’re independent, small business, and you guessed it, Local.

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.

Let us help.

540.382.4277

 

Help Reduce Distracted Driving

More than 40,000 Americans died on the roads in 2016, the most significant increase in deaths over a two-year period in more than 50 years.1 Whether someone you love has been known to text and drive, or you have found yourself distracted behind the wheel, these tips can help avoid dangerous activity on the road.

  1. Stow your phone. Turning off the phone and putting it in “do not disturb” mode can help remove the temptation to browse online at a red light or respond right away to a text message.
  2. Vow not to multi-task. Anything that occupies your mind or vision can be a distraction behind the wheel. Make time at home to eat meals or put on makeup, so you can focus on the road.
  3. Don’t be a distraction. Avoid calling or texting family members and friends when you know they are driving to avoid distracting them.
  4. Talk to your employer. Responding to texts or taking calls for work while driving can be dangerous. Encourage your employer to have a distracted driving policy that includes waiting to talk with employees until they are safely parked.
  5. Keep kids and pets safe. Make sure kids are in proper car seats and that pets stay secured in their zone in the back of your vehicle. It can also help reduce distractions if pets are not roaming about the car.
  6. Set a good example. Parents can model good behavior for their children by demonstrating attentive driving. Avoid texting, eating, grooming or calling someone while behind the wheel.
  7. Plan your route before you go. Programming your navigation system while you drive can take your eyes off the road. It’s better to ask a passenger to do it or to enter your destination before you leave home.
  8. Speak up. If you see someone texting or otherwise driving while distracted, say something and let them know that you are not comfortable with that behavior. Encourage your children to do the same when they are passengers in a friend’s car. It could save a life.
  9. Set rules of the road. Consider restricting the number of passengers until your teen or new driver gains experience behind the wheel.
  10. Avoiding reaching. Resist the urge to reach for items if they fall while driving.

Taking your eyes off the road to search for an item can make you more likely to have an accident.

Share these tips to help keep others safe. For more on ways to reduce distracted driving, check out Every Second Matters, Travelers’ conversation starter on reducing distracted driving risk.

Source:
1 National Safety Council, NSC Motor Vehicle Fatality Estimates.
www.nsc.org/NewsDocuments/2017/12-month-estimates.pdf
*Content provided by Travelers Insurance. Dove Insurance Agency is proud to offer Travelers Insurance 

When Is the Best Time to Purchase Home Insurance?

As a homeowner in the Blacksburg, VA area, one of the questions that you may have is if you should get home insurance and when is the best time is to purchase a policy. When it comes to the biggest investment of your life, the question should really be, do you want to protect it or not? According to Dove Insurance Agency, if you want to protect it, then you need to get a home insurance policy as soon as possible. 

Imagine that something were to happen to your home and you did not have any home insurance. For example, if there was a fire and your home was destroyed, without insurance, you could lose everything and would have to start from scratch to get a new home. If your home was burglarized, you would have the same result with your belongings.

However, if you had home insurance and either of these things happened to you, you can file a claim and get the financial help that you may need to rebuild or replace any of the items that were lost. Your home and everything that you own is too important and valuable for you to leave to chance. These kinds of things can happen at any time and you need to have home insurance in place before it does.

As you can see, you need to have a home insurance policy on your home as soon as possible if you want to protect your investment. If you currently have a home insurance policy that you want us to examine or if you want a free quote for a home insurance policy, be sure to contact us at Dove Insurance Agency, serving Blacksburg, VA, today. We can help you find exactly what you need and we can make sure that it will fit within your budget. 

Do You Need Physical Damage Coverage On An Older Vehicle?

So you have an older car, let’s say one you’ve had for many years and love too much to part with. It’s still in good condition, but the inevitable question begins to occupy your mind: Is my vehicle worth enough to keep the optional physical damage coverage?

No one can ever say you have too much insurance, but deciding if your situation is worth paying for physical damage coverage is ultimately up to you.

For starters, you’ll want a good estimate on the value of your vehicle, so visit a reputable site like Kelley Blue Book.  Then take a look at your auto insurance policy and premium amounts for other than collision and collision coverage, and make note of your deductible for each coverage too.

Other Than Collision

Also known as comprehensive coverage, your vehicle is covered for damage like theft, fire, vandalism, glass breakage, flood, and hitting an animal (or animal hits you).

Collision Coverage

If you’re at-fault in an accident or collide with an object, like a pole and run into a ditch, then your collision coverage will pay to fix your vehicle.

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.

Dove Insurance is also a Dave Ramsey ELP, for home and auto insurance.

Standard Types of Life Insurance

Having proper insurance coverage is a very important responsibility. While most people are aware that they should have a home, auto, and medical insurance coverage, life insurance is often overlooked. Since life insurance is so important, understanding your options is very beneficial. For those that are in the Blacksburg, VA area, whole life and term life are the two most common insurance options and there are benefits to both. 

Whole Life Insurance

Whole life insurance is a type of insurance coverage that will provide you with coverage for your entire life. Beyond providing you with the predetermined life insurance amount, a portion of your premium payments will accrue in an account in your name. You will then be able to liquidate this account and redeem the balance at any time. This can also make a whole life insurance policy a good investment that provides conservative returns with minimal risk.  However, the premium payments tend to be much higher. 

Term Life Insurance

If you are looking for the maximum amount of coverage with a lower payment, term life insurance could be your best option. With term life insurance, you will receive coverage for a certain period of time. The cost of the term life insurance premium will be based on a variety of factors including your age when the policy is taken out, the length of the term, and a variety of other risk factors. 

For those that are in the Blacksburg, VA area, choosing the right life insurance option and policy is a big decision. If you are struggling to understand your insurance needs and options, contacting the Dove Insurance Agency could be a great option. The Dove Insurance Agency will be able to explain your life insurance options and help you find the right policy to meet your needs. 

General Tips To Know When Shopping For Auto Insurance

Auto Insurance rates can vary a lot from one person to another. In today’s big data world, just about anything you can imagine can impact your cost.  Things like age, marital status, education, occupation, prior insurance tenure and limits, and zip code to begin.  Then add in other rating factors like number of drivers, home ownership, other policies, vehicle usage, even financial score.

There are still other factors, but it should be easy to see why comparing your policy to what a friend or family member has is not “apples to apples”.  And that is before even looking at the vehicles, coverage needed, and your driving record.

On top of all the rating factors, there are over 100 personal line insurers in Virginia.  Most people can maybe name 5 because of TV commercials.  But each one can have their own niche with a certain customer profile.  Insurance Companies set their rates by giving their best rates to drivers with the characteristics that feel they can insure profitably. You can no longer say that one company is less expensive than another, rather it is where do you fall within their offer.

 

 

So how do you navigate through the choices? 

Your best course is to work with an Independent Insurance Agent that represents many companies.  If an agent is locked into only one company there are no options.  In contrast, an Independent Agent has the ability to look at several offers to find your best combination of price and coverage.

Do you know what it costs to have an Independent Insurance Agent review your policy?  It doesn’t cost anything!

Take the time and contact our family of Independent Agents at Dove Insurance.  Serving the New River Valley for over 50 years, we are Independent Agents for Auto, Home, Life, and Business Insurance as well as special policies for Cyber Liability, Employment Practices, and Workers Compensation.

Michael Dove  |  Joshua Dove

Serving Virginia For Over 50 Years

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.

Dove Insurance is also a proud Dave Ramsey ELP.