Insurance For Mobile Homes

Singlewides, doublewides, and manufactured homes are a great and affordable way to homeownership. And since purchasing property is one of the most expensive investments we will ever make, obtaining proper insurance is crucial.

Mobile homes are typically a separate policy type from a homeowners policy. And a lot of companies do not write mobile home policies or write them on a limited basis.

At Dove Insurance Agency, our Family of Independent agents can help find you an affordable insurance policy for your mobile home.

Mobile Home Insurance

A term you will often see associated with mobile homes policies is Comprehensive Coverage:

“This means we cover most direct, sudden and accidental physical losses like: fire, lightning, explosion, vandalism, landslide, falling objects, explosion, attempted or actual burglary or robbery, water damage from bursting pipes, damage by wild or stray animals, collapse from the weight of ice and snow, and wind or hail damage.”

https://foremost.com/products/mobile-home/

Depending on your mobile home’s characteristics there a few options available for insurance.

For example, do you own a doublewide on a permanent foundation? If so, you may be eligible for special programs that will include replacement cost coverage.

This is another reason why working with our Family of Independent Agents is valuable. We partner with several different carriers and multiple options for your property types.

Contact us today see and discover everything that our Family of Independent Agents can do for you.

Planning For Your 2021 Finances

I can remember being a kid and reading stories about the year 2000. The technology included flying cars and possible trips to the moon or mars. And I would hear these stories and think, “The year 2000? That’s so far way it will never arrive!”

Well, here we are about to usher in 2021. While this past year has been a struggle for many of us in many different ways, a new year brings more hope and optimism.

Planning for your 2021 finances will have a big role in the year to come. Is this the year you finally get started on your debt? Will you have the opportunity to purchase a new home? Is your family expanding and the need to review your insurance coverages now takes priority?

Insurance is a big part of your finances. I do not mean how much we can save you on auto insurance or the best package option including your home insurance (we can and will do that!).

But insurance is more than a rate. Are you properly covered? In the event of an accident, is your policy deductible factored into your budget? Are all household members properly listed and covered on your auto insurance policy? Does your home insurance cover water back-up or provide equipment breakdown coverage? If your assets have grown over the years do you need an umbrella policy?

These are questions beyond a rate and ones you should be answering. This is why having a trusted source by your side is crucial.

Get Properly Covered (and save some $$$)

Our Family of Independent are just that—a family. Dove Insurance was started in 1964 by Alvin Dove in Radford, Va. Today it’s still operated by the Dove family and is now three generations strong.

Dove Insurance has grown through the help of our local community. We are local (born and raised) with our office in Christiansburg, VA but write policies throughout the entire state of Virginia. 

As technology has grown, so have we. E-signature is available for most products. We can conduct business in person, over the phone, through e-mail and text messaging.

Multiple Carriers, Multiple Coverage Options

Instead of working for one insurance company, our Family of Independent Agents represent several insurance providers. 

Dove Insurance also offers in house customer service. No need to call wait on hold with insurance company. 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).

Purchasing A New Home?

If you are purchasing a new home, rental property, condo or townhome then Dove Insurance Agency can help provide you with great property insurance.

Instead of working for one insurance company, our Family of Independent Agents represent multiple insurance providers. This means we can compare rates and coverages for your new purchase and explore multiple coverage options.

Dove Insurance Agency also coordinates around your closing. We work directly with mortgage providers and your title loan/closing attorney. This way your closing runs smooth (at least from the insurance end!). Even if your closing date is changed we can quickly provide updated documentation to all concerned parties.

Bundle or Monoline Policies

Yes, if you bundle your home insurance with your auto insurance, motorcycle insurance, RV insurance, or add an umbrella insurance policy, then you will receive a multi-policy discount.

However, we will write just your home insurance. No need to bundle.

In fact, while bundling will net you an extra discount it is not always the best pricing option. Our Family of Independent Agents compare rates and look for the best overall package—not the best bundle.

For example, say Company A has the best auto insurance rate ($500) but their home insurance is high ($1000) while Company B has the best home rate ($500). In this case, the best overall pricing is to match your home insurance with Company B and your auto insurance with Company A.

Get a quote today and discover everything that our Family of Independent Agents can do for you.

E-Signature Available

Our office in Christiansburg, VA is open regular business hours. If you prefer to stop by we’d be glad to see you.

However, if you prefer to keep your business local but stay “socially distant” then we have a great option for you. E-signature is available for most product lines through our Family of Independent Agents:

  • Auto Insurance
  • Home, Renters, and Landlord Insurance
  • Motorcycle Insurance
  • RV and ATV Insurance
  • General Liability, Workers Compensation, and Builders Risk

Our e-signature option is fast, simple, and can be completed from a computer or mobile phone. We can even send you ID cards, verification of insurance, and payment receipts or schedules for your convenience.

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.

Auto Insurance ID Cards

It is imperative to keep a copy of your auto insurance ID card with you while you drive. The same is true for any drivers listed on your policy.

In the event of an accident this allows you to quickly provide proof of insurance. If you are stopped by the police while driving or enter a road check, you are required to show verification of insurance.

No matter if you keep your auto insurance ID cards in your wallet, glove box, or on your phone, always make sure you have access to one at all times.

Are Digital ID cards accepted in Virginia? Yes. Forty-nine states, including Virginia, permit drivers to show an electronic copy of their insurance card on a mobile device during a traffic stop.

Your auto insurance ID card is typically mailed to you when you sign-up for a policy and at each policy renewal (unless you opt for paperless documents then your cards will be accessible through your online account).

For most auto insurance carriers, you can also access your auto insurance ID cards through a mobile app. Simply search for your carrier in the app store.

If you are a Dove Insurance customer then you can call or stop by office and we will immediately provide you with cards in the format of your choice.

Serving the Commonwealth of Virginia For Over 50 Years!

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.

Insurance for Rental Properties

Real estate is a great investment. To maximize your returns make sure you are properly covered and are receiving a competitive rate.

Whether you own a single family home, a townhouse, condo, or even a mobile home, our Family of Independent Agents can help cover your investment property.

We work with multiple carriers to help compare rates. There is no “one size fits all” approach to your policy or coverages.

  • Do you want coverage for wrongful eviction or personal injury?
  • Do you need higher liability coverages to protect your assets?
  • Are your properties insured for the correct amount of coverage?
  • Can I cover a vacant or unrented property?

Purchasing A New Rental Property?

We coordinate around your closing and keep a hands on approach to make sure everything is properly completed. Forgot having to call a company directly or waiting in line to speak with the next representative.

Let our Family of Independent Agents simplify your new property purchase.

Certificate of Insurance

If you are planning on remodeling your home, adding an extension, or having maintenance and repair work done (tree cutting, pressure washing, or paving) make sure you ask for a Certificate of Insurance from the professional you hire.

A Certificate of Insurance is as simple as it sounds—a certificate showing insurance coverages (usually for general liability and/or workers compensation) for the individual or company you are hiring.

For example, Dove Insurance Agency has a general liability policy for ABC Tree Removal. Jennifer wants to hire ABC Tree Removal to remove trees from her property and wants proof that an active insurance policy is in force in case something goes wrong. On request we will send a Certificate of Insurance made out to Jennifer showing the policy information, coverages, and effective dates for ABC Tree Removal.

It is recommended that you do not hire an individual or company if they cannot provide a Certificate of Insurance. This gives you written proof of an active insurance policy.

Auto Insurance Payment Plans

If you’re looking for an easy way to save money on your auto insurance, then consider your payment plan.

Most carriers offer a paid in full discount (up to 24% with some carriers!). By paying your policy in full for six months or one year, you “lock-in” the rate and get the advantage of your policy renewing once a year.

If paying in full is not a option, typically the next best option is EFT (Electronic Funds Transfer) or sometimes called Auto Checking. For this plan you’ll need to provide your checking account and routing #. Each month your policy with automatically be deductible from your account. Depending on the available plans, you may be able choose the draft day for a convenient time each month.

You can also pay automatically each month through a debit or credit card, but these plans tend to add a few dollars in monthly installment charges when compared to EFT.

Typically the most expensive payment plan is monthly with a bill sent through the postal mail each month (paperless options are available with a discount). However, this payment plan does provide the most flexible monthly payment options. Our Family of Independent Agents can take your payment in our office or over the phone, and you always have the option to call your carrier directly.

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!

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).

E-Signature Available!

What Level of Auto Insurance Is Required in Virginia?

Are you required to have auto insurance if you live in Virginia? Yes, just like every state, there is a mandatory state minimum for automobile insurance in Virginia.

Insurance ads are everywhere (sometimes their funny, often they are not!). But did you know that there are over 100 insurance carriers licensed in the state of Virginia!

It’s helpful to have a local Independent Agent talk over what is necessary and go over the various auto insurance options available.

State Minimums in Virginia

Virginia law says that drivers must have at least the minimum liability insurance policy. This coverage is $25,000/$50,000/$20,000 unless you are going. This read as $25,000 is the limit for what you’d have for bodily injury, $50,000 is the total limit per accident, and $20,000 is the limit for property damage.

Though this is the case for your minimum policy requirements in the state, it’s often recommended to opt for higher limits on your auto insurance policy. For example, if you are a homeowner or someone with assets to protect, the state minimum coverage is most likely not enough.

In fact, opting for higher liability limits often adds little to your policy premium. And in the event of an accident, higher limits provide more peace of mind.

Additional Types of Coverage for Automobiles

Some other kinds of insurance you might want to include the following:

  • Collision Coverage- This would take care of any expenses outside of the deductible when it comes to replacement and repair costs at the time the accident occurs.
  • Bodily Injury and Property Damage Liability- This is in place for legal liability purposes for instances when another person is injured or someone else’s property is damaged.
  • Comprehensive Coverage- If there are any damages that occur that aren’t the result of an accident, such as from fire, vandalism, floods, or another type of natural disaster.
  • New Car Replacement- Available on new cars. This coverage will replace your car with a new one without depreciation. Specifics of coverage vary from carrier to carrier.

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.

E-Signature Available For Auto Policies!

How Binding Restrictions Work

While writing this post, Hurricane Zeta is just off the gulf coast of New Orleans. It is the 27th named storm for this hurricane season. By the time it makes the track to Southwest Virginia the remains will affect the forecast with rain and wind.

Often when a severe weather event is imminent, insurance companies will impose binding restrictions in specific locations. For example, as of 10/28/2020 Progressive insurance has put binding restrictions in many counties in Alabama, Florida, Georgia, Louisiana, Mississippi, North Carolina, and South Carolina.

While the specific restrictions for Progressive vary by state, we can look a bit closer at some of the details. For discussion we will look at the exact wording for the binding restrictions in Alabama:

Physical Damage Coverage for Boat, RV may not be written, reinstated, or otherwise bound in any area where there is a hurricane, tornado, fire, flood or tropical storm watch, warning or occurrence. Additionally, no coverage for Boats may be written, reinstated, or otherwise bound in any area where there is a hurricane, tornado, fire, flood or tropical storm watch, warning or occurrence.  

Due to Hurricane Zeta we are required to temporarily restrict Physical Damage Binding for the products listed above.  In addition, we are restricting binding for all coverages for Boat effective immediately. 

Effective on 10/28/2020 11:47:05 AM EDT the following counties are under the restricted binding procedures within the state of Alabama. Physical Damage coverage may be written, reinstated, or otherwise bound in any counties not listed.  

Progressive State Updates 10-28-2020

This statement then lists the specific counties in Alabama where the binding restrictions are in place.

Why Binding Restrictions?

It should not come as a surprise that carriers will temporarily restrict new business and changes to existing businesses if an immediate and unavoidable weather risk is about to strike.

How long these restrictions are in place depends on each individual carrier. There is currently no time frame for lifting the restrictions currently placed in Alabama by Progressive. Typically (unless further restrictions are applied) the next notice will be an updated list of counties where the restriction remain in place.

Binding restrictions can be placed on most insurance products.