How to create a home inventory

When you hear home inventory what comes to mind? Do you picture all the rooms in your home and all the meaningful personal items that fill them? This is certainly part of it but what about the things that you don’t use or look at every day. Have you ever considered how many seasonal decorations that you have? Probably not, if you are like most people you have a combination of items that you inherited, accumulated and only look at for a few days or months every year. At Dove Insurance Agency in Blacksburg, VA we want to share our more than 50 years of experience with our current and future customers. 

You can opt to do a digital inventory or you can do it the traditional way with a pad and a pen. Whichever way you choose, you need to go through your home room by room and make a record of all the things that it contains. It needs to be detailed and when it comes to electronics especially, having a sales slip, brand name, model number and serial number is not too much information to include. The more detail you include, the better chance that you will have when it comes to a claim of having your items replaced. 

You need to go into your closets, attic, and basement. Open cupboards, drawers and look on shelves. Bring along your camera if you are writing the items and take pictures. Having an appraisal for any of your more expensive items is vital. Being detail-oriented is a very good thing. When you are finished place your inventory in a safe place, safe from fire or flood.

If you want to learn more about creating a home inventory or any other insurance questions, give Dove Insurance Agency on Blacksburg, VA a call. We look forward to helping you no matter what your insurance needs. 

 

 

Is My Pool Eligible For Homeowners Insurance?

A quick answer to the above question is yes… and no.

Coverage depends on your carrier, and specifically the eligibility in their pool requirements. For example, here are (2) different insurance companies and their underwriting guidelines for pools:

Company A:

“Properties with swimming pools, hot tubs or spas must be gated with a minimum of a 4 foot fence and locking gate or approved alternate enclosure. Swimming pools, hot tubs and spas must be maintained in working condition. Diving boards or slides are not permitted.”

Company B:

“Properties with unfenced swimming pools, diving boards, or pool slides are ineligible.”

While the above specifics may sound similar there are some notable differences. Some insurance companies have even more specific language for pool requirements such as a minimum required pool depth.

Bottom line: you should always check with your insurance agent about coverage for pools. Don’t assume that coverage applies or that your property remains eligible. Always ask.

Working From Home? Make Sure You Continue To Support Local Businesses

Over the past few weeks my inbox has been flooded with updates on the virus from every avenue of life. There are important e-mails for work and state/local updates, family and friends, and personal interests e-mails that I subscribe to.

Then there are the unimportant updates such as an online store I shopped at once, unknown businesses that somehow have my contact info, furniture stores I’ve never shopped at, credit card offerings with virus update specials (whatever that means) and jury duty scams.

If you’re working from home or are working more remotely over the next few weeks then you may see a flood of new digital updates and ads.

Support Local Businesses

Just remember that through the sea of change everyone is currently facing, small businesses need our help more than ever.

Restaurants and other service industries have been hit especially hard. There are numerous ways to support your local small businesses, and every bit helps.

You can order a few extra meals out and have them delivered or picked up by curbside service. If your stylist or barber is closed offer to still pay for your monthly fix. If possible keep your monthly service or membership. You can even check local farms, markets, or breweries to see what kind of special services they have available.

None of the ideas above are radical notions. Instead it’s just a small reminder that local businesses have employees and are a part of our community.

Yes, We’re Open! Dove Insurance Coronavirus (COVID-19) update

Update 4-21-2020: Office hours still remain unchanged!

What a difference a month makes… and a week… also a day.

Obviously the situation with the coronavirus, both locally and nationally, is updating daily and so are business accommodations throughout the Commonwealth of Virginia.

As of today our business hours remain unchanged. We’re constantly monitoring the situation and if needed we’ll adjust our in-person office hours.

However, regardless of our physical location’s hours, our family of Independent Agents will be able to take payments, policy changes, and take new business quotes in office, over the phone, or through e-mail.

We have mobile work access for all lines of business including a TEXT ONLY LINE (540)-253-1253

Some companies, including Progressive and Grange Insurance, have started to roll out payment options for those affected by the current situation. Feel free to contact us before a payment is made or call your insurance carrier to speak with a billing representative.

We hope that everyone remains safe throughout the coming weeks.

Again, we’re here to help serve you.

Let us help.

Insurance for Lawn Care and Landscaping Services

An Online Insurance Rate from Dove Insurance Agency is the easiest and fastest way to find General Liability coverage for your Virginia Lawn Care and Landscaping Service Business.

Just go to DoveInsurance.com and look for Business Insurance under the Compare Quotes tab.  You can easily put in your basic information, receive a rate, and start a policy.  All in just a few minutes!  You can even request and print Certificates of Insurance for your customers.

Also available are quotes for Workers Compensation and Umbrella Liability.  Online and at your own convenience. 

And while you are on the DoveInsurance.com website take time to get to know us.  We have a large number of satisfied customers for both Personal and Business Insurance all across Virginia.  Read the reviews from some of them. 

As always, if you should need assistance or have questions about the insurance you need, feel free to call our office at 540-382-4277 and speak with one of our Agents.  We are here to help you find the Insurance you need at the best price available!

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