Explore Your Options Amid The Yearly Changes

We’re past the halfway mark of 2018, and summer’s end is drawing near. As with any given year when it comes to your Virginia insurance policy, either personal or commercial, changes are always about. The insurance market, much like any good or service, is always in constant change. Carriers may offer different coverages, expand their range of services, and adjust their rates. Sometimes the changes are easy to understand, while other times may be more difficult.

And when life changes so too can your insurance needs. Remember, your coverage needs in your early twenties are much different compared to the thirty, forty, and fifty year-old version of yourself. For example, when was the last time you updated your liability amounts on your home and/or auto policy? Are your current limits enough to cover your assets? Is the value of your older vehicles worth paying for physical damage coverage? Do you need an umbrella policy to further protect yourself from liability claims? These are all questions that change as the years go by.

This is why working with an Independent Agent is incredibly valuable. Instead of working for a single company, Independent Agents represent multiple carriers. This allow us to compare rates, coverages, and services without having to “walk the company line.”

In Virginia there are over 100 licensed insurance companies, and sorting through your available options is often confusing. 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.

Talk with us today and explore your options.

Ph: 540.382.4277

Text: 540.253.1253

 

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.