Planning For Your Insurance in 2019

Time flies by. In a few short weeks we’ll usher in 2019 and the last year of this decade. Do you realize that 10 years ago (that’s 2009 for you non-math majors) we witnessed such headlines as: GM filing for bankruptcy, Michael Jackson passing away, President Obama being sworn in, Cash For Clunkers being a thing,  and the Pittsburgh Steelers surviving the Arizona Cardinals in Super Bowl XLIII.

Though you may remember some of these events, can you remember where you were in life 10 years ago? And how much has life changed in this same time frame?

Your insurance needs evolve over time. There are numerous “life events” such as marriage, kids learning to drive, newer cars, or perhaps your assets have grown and now you need broader coverages; but whatever life throws at you it pays to talk with an Independent Agent.

We’re here for you. 

A good story is someone we spoke with recently and quoted multiple policies for. This married couple had an online policy for many years and wanted to compare some rates. When we looked over their current coverages, the most striking issue we saw were state minimum liability amounts. This couple not only owned their home and a rental property, but they were medical professionals. When we explained the risk they were taking to save a few dollars from this online policy, they wisely listened. Understanding your insurance should be part of your buying decision.

Remember, insurance isn’t just a rate. 

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.

A Quick Look at the Long History of Travelers Insurance

“In 1864, Hartford businessman James G. Batterson met a local banker, James E. Bolter, in the post office. Bolter had heard that Batterson and several fellow townsmen were organizing a company to introduce accident insurance to the United States. He asked Batterson how much he would charge to insure him for his four-block walk home. “Two cents,” Batterson said.”

Between TV, internet, and radio ads it’s rare for an insurance commercial not to be seen or heard every hour. Some are funny, and some not. Interestingly very few tell you anything about their coverage offerings outside a few catch phrases, but that’s another discussion.

My point is that as consumers we only hear from 4 or 5 insurance companies when in fact there’s 100 licensed carriers in Virginia.

One of the oldest and most reliable insurance carriers, Travelers Insurance (A++ by A.M. best), is one of many options you have for personal and commercial insurance lines in Virginia. As an Independent Insurance Agency, our family at Dove Insurance has worked with Travelers Insurance for 50 years.

Our take on this long partnership is simple: you don’t do business with someone this long if they don’t take of people. And Travelers has done an excellent job over the decades.

Interesting Facts About Travelers Insurance

Travelers Insurance has as a history of insurance firsts. Just take a look at this long list of industry milestones:

1864: *Introduced accident insurance.
1897: *Issued an automobile insurance policy.
1889: Offered liability insurance to employers, known today as workers compensation.
1903: *Opened an insurance school.
1904: *Organized a corps of safety engineers.
1919: *Offered aircraft liability insurance, with a full aviation program.
1956: *Established a weather research center.
1958: *Offered life insurance to women at lower rates than men.
1961: *Introduced a new coverage option for electronic data processing.
1968: *Pioneered the “CAT Van,” a specially modified RV used as a mobile claim office to assist policyholders after disasters.
1969: *Issued accident policies for space flight and lunar exploration.
1971: *Established the Office of Consumer Information, providing all consumers, not just Travelers customers, with a toll-free number, to call and comment on insurance issues or ask insurance-related questions.
1980: *Installed an interactive company/insurance agency computer system.
1997: *Launched an insurance policy to protect individuals who use personal computers for online banking.

*Insurance industry first