Important Motorcycle Coverages To Know

If you’re looking to compare motorcycle coverages and rates then there’s a few coverage options you should know about.

The least expensive option will always be to purchase basic liability, but there are some optional coverages that may peak your interest.

Carried Contents Coverage. This pays for your owned personal property (such as cell phones, hunting gear or camping gear) that is damaged, destroyed or stolen while using the vehicle.

Custom Parts and Equipment (accessory). Either a separate coverage or included when both Other Than Collision and Collision coverage are purchased, this covers items such as custom paint, plating or exhausts; sidecars, electronic equipment, saddlebags, handlebars, wheels, chrome accessories, and more.

OEM Parts Coverage. Often included in packages such as guaranteed replacement value, this simply replaces damage with original equipment manufacturer parts (OEM). Think Harley parts on Harley bikes, Honda parts on Honda Bikes.

MULTIPLE CARRIERS, MULTIPLE COVERAGE OPTIONS

Coverage for most motorcycles, including cruisers, sport bikes, touring bikes, dirt bikes, mopeds, scooters, ATVs – even custom motorcycles and motorcycles more than 25 years old.

With multiple carriers, our family of Independent Agents can help find the policy for you.

Let us help | (540)-382-4277 | Joshua@Doveinsurance.com

Summer Home Safety Tips

Summer is the time Blacksburg, VA families and friends begin to gather for barbecues, pool parties and backyard get together’s. The team at Dove Insurance Agency wants to remind you that increased activity around the home can lead to increased risks or accidents, injury, or even illness. Here are some quick safety tips to minimize your risks this summer.

Be Cautious with Yard Equipment

Mowers, edgers, trimmers, and chain saws can cause serious injuries quickly. Make sure debris is picked up before mowing any yard, and wear eye protection when using power yard equipment. Avoid loose clothing and never use a tool for any other purpose than it was created. 

Grill Safely

Backyard grills are the centerpiece for many activities throughout the summer. They also can be the source of injuries, accidents and even illness. Only use long-handled tools. Never leave a lit grill unintended. Keep hot grills outside and away from structures and flammable objects. Thoroughly cook foods to recommended temperatures. Keep grills clean and don’t use marinades for meats as a basting sauce.

Look for Trip and Fall Hazards

Over the course of time, steps can become loose, sidewalks can crack or become uneven and holes can develop in your yard. Take a quick survey of your yard, looking for these trips hazards, and address them as quickly as possible. Make sure you have sufficient outdoor lighting for evening gatherings out of doors. 

Should harm come to someone on your property, you could be exposed to a liability claim. Sufficient homeowners’ insurance can protect you financially from such claims. From the associated legal costs to any settlements or judgments, liability coverage is a critical part of your home insurance. Would your Blacksburg, VA area home be covered? Contact Dove Insurance Agency for a no-obligation homeowners’ insurance review and quote and enjoy your home this summer with greater peace of mind. 

Telematics And The Future Of Auto Insurance

Whether you’re ready to embrace insurance telematic programs or not, they are here and here to stay.

Snapshot | Intellidrive | OnTrack | RightTrak | Smart Drive

For starters, these discount programs are optional. And not participating won’t alter your auto insurance premium.

As technology in this field continues to evolve so too are the program options and discounts. Today most auto insurance telematic programs are app based and entirely accessible through a mobile app and e-mail.

What is looked at for discounts varies by each individual program and discount amounts are tiered differently as well. Below are some of the factors that insurance companies based their discounts on:

  • Miles Driven
  • Driving Duration
  • Time of Day
  • Hard Braking
  • Distracting Driving (In-hand phone use while driving, e.g.)

The simplest explanation for auto insurance telematic programs is this: You can save a lot, in some cases up to 30%, on your auto insurance by providing your insurance company access to your driving habits for a specified length of time.

There’s a lot in that definition to consider. And remember, these programs are 100% optional. So if the idea of a telematic program makes you uneasy don’t enroll.

These programs are just another way insurance carriers are trying to reward better drivers.

For more information on a specific program simply to talk to our Family of Independent Agents today.

Short On Time? Try An Online Insurance Quote

Keeping a schedule these past few weeks has gone out the window. Virginians are amid a global pandemic that ebbs and flows with the latest news and updates.

There’s optimism, and equal parts caution. And while the future isn’t 100% clear yet, life is slowly beginning to normalize.

Dove Insurance Agency, like a lot of Virginia businesses, is local. We’re part of the New River Valley community and have been for over 50 years. We’re family owned and operated, and try to keep insurance simple and personal.

Our office in Christiansburg, VA is still open normal business hours. If you prefer an in-person meeting simply stop by. No appointment needed.

If you’d like to give us a call, text, or e-mail we’re still able to provide full quoting and customer service (including payments over the phone).

If you’re a new customer or an existing one that needs a new insurance product, try our Online Quote Tool.

It’s simple to use and connects your insurance request with our Family of Independent Agents. You can quote personal lines, such as home and auto, or coverage for your Virginia business.

As always, we hope everyone stays safe this summer!