What home security systems are best for you?

Your home is your castle and, like the homes of the Knights of yore, it needs defending against intruders. PC Magazine has created lists for some of the better systems available, including features, upfront installation prices, and monthly subscription fees. These systems can help with your home insurance rates at Dove insurance Agency in Blacksburg, VA.

Finding the Right Home Security

Modern home security systems go beyond just the alarm that is tripped when someone breaks through the door or slips in through the back window. Now, anyone can monitor their own home, no matter where they happen to be, and interact with various devices, such as the lights, televisions, and radios, to make it seem that you’re still at home. You can even access cameras to see who is at the front door or inside the house.

A home security system’s features depend on how much you are willing to pay. Door, window, and interior motion sensors are a must-have. These can be connected to your smartphone as well as the system provider, which can alert the police in case of a break-in or leave you the option to contact the authorities.

You should have at least one security camera monitoring the main room. A camera can be deployed in an unobtrusive place to record either on local medium or in the cloud. You should also be able to monitor what’s on the camera from your mobile device. If you want to spend a little more, an outside camera or two would suit.

Good, solid dead-bolt locks and window locks are a given, supplementing your high-tech security system with some old-school barriers to intruders.

For any questions on home insurance, contact Dove Insurance Agency in Blacksburg, VA to speak with one of our agents.

Purchasing A New Home? Let Us Help Make Your Closing Less Stressful

Moving into a new home is exciting, full of to-dos, and a lot of work. There are loan applications, house showings, and moving logistics; however, one part of the moving in process that shouldn’t be stressful is making sure you’re properly insured.

Purchasing a home is one of the largest and most expensive investments we’ll ever make, and obtaining proper home insurance is absolutely critical.

For starters, your house should be insured for the full Replacement Cost, and not the Market Value. You’ll need to have coverage for your personal property and higher valued items such as jewelry, antiques, or expensive electronics. How much liability coverage you need is important too, and depending on your financial situation, perhaps an Umbrella policy is needed. Do you need other endorsements not included on a standard policy, like water back-up, service line coverage, or refrigerated products coverage?

It also pays to compare policy deductibles. Over the past several months we’ve seen numerous carriers increase their starting deductibles to $2,000 or percentage amounts. Did you know that many insurance providers in Virginia still offer lower deductibles?

There’s also policy eligibility. Liability risks such as pools, wood stoves, the age of your roof, unrepaired damages, and even the breed of your dog can affect the eligibility of your home.

We Help Make Your Home Closing Easier

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.

After finding the right policy for your needs, we help coordinate with your home closing so everything from the insurance end is ready to go.

Call or stop by today and discover everything our Family of Independent Agents can do for you.

Ph: (540) 382-4277

E-mail: Joshua@Doveinsurance.com

Get Guaranteed Value for Your Classic Car, Boat, or Motorcycle

For over 50 years Dove Insurance Agency has served the Commonwealth of Virginia, helping individuals and families find proper coverage for their needs.

One of our favorite areas of available products is insurance coverage for your classic car or recreational vehicle. There’s an excitement with the owners of these machines, and getting to the know the story behind the investment is captivating.

When it comes to insurance, do not make the mistake of simply insuring these classics on your personal auto policy—especially if they’ve held their value. A stated amount policy means coverage is available up to that amount but will pay this amount or the ACV (actual cash value), whichever is less!

That’s why our family of Independent Agents have partnered with Hagerty® to provide first class coverage for your investment.

About Hagerty®

Over 30 years, Hagerty has grown to be the leading global provider of classic car and boat insurance, but they’re still just a family business built on love for classics. Their passion drives them to keep improving their product and to give their clients the best service imaginable.

Why Hagerty®?

At Hagerty, they’re as passionate about classics as their clients are. Their deep knowledge of classic vehicles and their owners allows them to offer better coverage for less. They offer:

  • Guaranteed Value™ coverage – They’ll agree up front on a fair value for your classic, and in the event of a covered total loss, you’ll receive that full amount, less any deductible or salvage value, if retained. Guaranteed.
  • Flexible usage – Classic and collector cars were made to be driven. Whether you’re going to a show or taking a cruise to an ice cream shop, you are protected.
  • Hagerty Drivers Club™ – Hagerty Drivers Club™ gives members specialty roadside service designed specifically for classics, automotive discounts, members-only events, subscription to Hagerty magazine and much more – all at an incredible value.
  • Expert claims handling – Their claims adjusters are trained in classic vehicle repair. In event of a claim, they offer stock original replacement parts and even have specialists on staff to hunt down rare and hard to find parts.
  • Low premiums – Because they only protect classics, they’re able to offer insurance at rates considerably lower than daily driver insurance.

What Hagerty Insures:

Hagerty is the world’s leading insurance provider for classic vehicles, offering coverage for classic cars, trucks, motorcycles, boats, tractors and more. Hagerty also offers coverage for high-value collections, overseas shipping and touring, classic car-related businesses and club liability.

Guaranteed Value™

With Hagerty’s Guaranteed Value™ (agreed value) coverage, they’ll work with you to agree on a fair value for the classic, and in event of a covered total loss, they’ll pay that amount (minus any deductible or salvage value if you keep the vehicle).

To make sure your classic is properly protected, contact Dove Insurance Agency today to learn more about a Hagerty policy.