How much life insurance is enough?

Nobody likes to think about life insurance much less talk about it but it should be part of everyone’s long term financial planning. Life insurance is much more than just the death benefit. Knowing that you have enough to take care of any dependents that you may have for as long as they need it is important. At Dove Insurance Agency we have more than 50 years of insurance experience that we are happy to share with our customers.

How much life insurance you need is dependent on several things.

Do you have dependents? Dependents can be your children and spouse but there are others who may be dependent on your income. You may have parents who may need some help as they age, a sibling with a disability, or even a business partner.

How old are your dependents? How many years do you want to provide for them?  If you have young children the number of years may be as much as 20 or more considering they may want to go to college. For a dependent with a disability, it can be for their entire lifetime.

Do you have debt? Most people have some debt but it isn’t just about credit card debt or a car loan. If you have a home, likely you have a mortgage and if it is a recent purchase it can be quite large.

Have you taken care of your final arrangement? These days a funeral can cost upwards of $10,000 and even if you have no other life insurance, having enough to cover your last expenses can save your family trying to gather enough to pay.

Experts recommend that you have at least 8-10 years of your salary in life insurance. This is just a recommendation, your expectations may be much higher or lower. Only you can decide what is enough.

At Dove Insurance Agency in Christiansburg, VA we are here to help you to get the amount of life insurance that is right for you.  Give our office a call for a no-obligation quote or get an online quote instantly!

Progressive Loyalty Rewards Programs

Did you know that Progressive offers a loyalty program with immediate benefits for customers?

Simply put—the longer you stay with Progressive the more benefits are are automatically attached to your policy. These rewards come at no cost to you and there’s no enrollment needed. If you have a Progressive personal lines policy then you start with benefits immediately.

Tiered Benefits

Take a look at the chart below and you can see how Progressive applies the rewards.

The definitions for the above benefits are as followed:

Small Accident Forgiveness. With Small Accident Forgiveness, your rate won’t go up if you need to report a small claim. Generally, a “small claim” is anything under $500, but this varies by state, so be sure to call us to find out what applies in your state.

Continuous Insurance Discount. As your relationship with us grows, so do your opportunities to save! This discount increases with each loyalty level until you reach Diamond level. Plus, your discount may be determined by your prior insurance information, so you could start saving sooner than you’d think.

Teen Driver Discount. You save with a Teen Driver Discount if you have a child under 19 who is licensed and rated on your policy.

Large Accident Forgiveness. With Large Accident Forgiveness, your rate won’t go up even if you cause an accident, regardless of the amount. You’ll earn this benefit when you’ve been with us for five years continuously and your policy has been free from violations and claims for the previous three years.

Emerald Access. Get VIP treatment — whenever you call, we’ll move you to the front of the line.

Lifetime Crown Benefits. When you’ve been with us for 20 years, you’ll receive lifetime insurance renewals — even if there are changes to your driving records.

Note: These definitions are intended only as a guideline. All terms and coverages are defined solely by your policy. Eligibility for this discount may be based on how long you’ve maintained your current Progressive policy.

Dove Insurance offers Home & Auto Bundles w/ Progressive!

Premium Credits For Personal Auto Insurance

As I mentioned in a previous post, numerous personal auto insurance carriers in Virginia are sending out “stay at home” credits or “premium payback” to their customers.

The branding of these credits and the payout details vary and are specific to each carrier. But the basic intention is the same: you’ll receive a credit on a portion (15% to 25%) of your April and May premiums.

Some carriers are applying this credit on a customer’s next bill and others are simple sending out a check in the mail.

These credits are being automatically applied so there is nothing you need to do. even your policy is paid in full you’ll still receive the credit.

If you have questions simply give us a call (540) 382-4277

Here are some examples of what carriers are offering:

Save $$$ On Your Personal Insurance

For over 50 Years Dove Insurance has served the Commonwealth of Virginia to help provide multiple insurance services. We’re family owned and operated, and take pride in reaching all across Virginia.

Let us help with your Home, Auto, Motorcycle, RV, and rental properties today. It’s free to quote and we’ll compare rates with multiples carriers to get you the lowest price without sacrificing your coverage limits.

And it’s easy to switch and you’ll get a refund from your prior carrier as they’ll only charge for the number of days the policy was in force.

Too Busy to Call?

Try our text only line to talk with our Family of Independent Agents:

TEXT US AT (540) 253-1253

No Matter Where You Live In Virginia

We’re located in the heart of the New River Valley and have been since the beginning. Yet each and everyday we speak with residents across our Commonwealth from Bristol to Blacksburg, Roanoke to Lynchburg, Richmond the Virginia Beach, and any location in Virginia.

Let Us Help

And the best part, we’re here for you when needs arise such as policy changes, billing questions, reporting claims, or questions regarding coverage. 

We’re here to serve you.

Will Additional Landscaping Improve Your Home’s Value?

Spring is here! If you could’t tell from the slightly warmer weather then the garden center lines at home improvement stores should tip you off.

There’s a lot going on with the COVID-19 situation, but nature always keeps itself moving. Perhaps it’s because we have some extra time on our hands or that garden centers are one of the few places still open for business, but landscaping has taken a higher priority for most homeowners this year.

As you walk through the aisles of perennials and annuals do you opt for pieces that you personally like or do you choose options that may improve your property value?

First impressions count, and when a buyer sees your home for the first time, curb appeal and the care of the landscaping are the first indicators of how well the home has been cared for.


Before you start planting or removing existing pieces ask yourself about your commitment level. If you have doubts about finishing your project or if it may prove too complicated then look at hiring a local landscaping professional. Most of these local companies provide free estimates and have numerous options available, depending on your needs.

A well-landscaped home has a significant price advantage over a home with no landscaping. This advantage ranges from 5.5 percent to 12.7 percent depending on the type of landscaping and the home’s original value.


Where to start? Remember that a well cared for property doesn’t have to mean an expensively cared for property. Many shrubs and perennials can be purchased very inexpensively. So when deciding between a Japanese maple (beautiful and costly) and the golden arborvitae (beautiful and much cheaper) think about your ROI (return on investment).

Here are a few tips to consider:

  • Shrubs can be purchased in multiple sizes. Smaller containers are cheaper, are easier to plant, and let the shrub grow naturally in your yard.
  • Some shrubs are “forced bloomed” to show you their colors (think azaleas and roses).
  • Always check light exposure and how/if your piece will fit in your garden
  • Flowers, shrubs, and trees grow! Space your choices wisely