Insurance For Mobile Homes

Singlewides, doublewides, and manufactured homes are a great and affordable way to homeownership. And since purchasing property is one of the most expensive investments we will ever make, obtaining proper insurance is crucial.

Mobile homes are typically a separate policy type from a homeowners policy. And a lot of companies do not write mobile home policies or write them on a limited basis.

At Dove Insurance Agency, our Family of Independent agents can help find you an affordable insurance policy for your mobile home.

Mobile Home Insurance

A term you will often see associated with mobile homes policies is Comprehensive Coverage:

“This means we cover most direct, sudden and accidental physical losses like: fire, lightning, explosion, vandalism, landslide, falling objects, explosion, attempted or actual burglary or robbery, water damage from bursting pipes, damage by wild or stray animals, collapse from the weight of ice and snow, and wind or hail damage.”

https://foremost.com/products/mobile-home/

Depending on your mobile home’s characteristics there a few options available for insurance.

For example, do you own a doublewide on a permanent foundation? If so, you may be eligible for special programs that will include replacement cost coverage.

This is another reason why working with our Family of Independent Agents is valuable. We partner with several different carriers and multiple options for your property types.

Contact us today see and discover everything that our Family of Independent Agents can do for you.

Planning For Your 2021 Finances

I can remember being a kid and reading stories about the year 2000. The technology included flying cars and possible trips to the moon or mars. And I would hear these stories and think, “The year 2000? That’s so far way it will never arrive!”

Well, here we are about to usher in 2021. While this past year has been a struggle for many of us in many different ways, a new year brings more hope and optimism.

Planning for your 2021 finances will have a big role in the year to come. Is this the year you finally get started on your debt? Will you have the opportunity to purchase a new home? Is your family expanding and the need to review your insurance coverages now takes priority?

Insurance is a big part of your finances. I do not mean how much we can save you on auto insurance or the best package option including your home insurance (we can and will do that!).

But insurance is more than a rate. Are you properly covered? In the event of an accident, is your policy deductible factored into your budget? Are all household members properly listed and covered on your auto insurance policy? Does your home insurance cover water back-up or provide equipment breakdown coverage? If your assets have grown over the years do you need an umbrella policy?

These are questions beyond a rate and ones you should be answering. This is why having a trusted source by your side is crucial.

Get Properly Covered (and save some $$$)

Our Family of Independent are just that—a family. Dove Insurance was started in 1964 by Alvin Dove in Radford, Va. Today it’s still operated by the Dove family and is now three generations strong.

Dove Insurance has grown through the help of our local community. We are local (born and raised) with our office in Christiansburg, VA but write policies throughout the entire state of Virginia. 

As technology has grown, so have we. E-signature is available for most products. We can conduct business in person, over the phone, through e-mail and text messaging.

Multiple Carriers, Multiple Coverage Options

Instead of working for one insurance company, our Family of Independent Agents represent several insurance providers. 

Dove Insurance also offers in house customer service. No need to call wait on hold with insurance company. Get your insurance questions answered by experienced, local agents. No call centers. No random employees. Simple one-on-one discussions.

Dove Insurance Agency is also a Dave Ramsey Endorsed Local Provider (ELP).

Purchasing A New Home?

If you are purchasing a new home, rental property, condo or townhome then Dove Insurance Agency can help provide you with great property insurance.

Instead of working for one insurance company, our Family of Independent Agents represent multiple insurance providers. This means we can compare rates and coverages for your new purchase and explore multiple coverage options.

Dove Insurance Agency also coordinates around your closing. We work directly with mortgage providers and your title loan/closing attorney. This way your closing runs smooth (at least from the insurance end!). Even if your closing date is changed we can quickly provide updated documentation to all concerned parties.

Bundle or Monoline Policies

Yes, if you bundle your home insurance with your auto insurance, motorcycle insurance, RV insurance, or add an umbrella insurance policy, then you will receive a multi-policy discount.

However, we will write just your home insurance. No need to bundle.

In fact, while bundling will net you an extra discount it is not always the best pricing option. Our Family of Independent Agents compare rates and look for the best overall package—not the best bundle.

For example, say Company A has the best auto insurance rate ($500) but their home insurance is high ($1000) while Company B has the best home rate ($500). In this case, the best overall pricing is to match your home insurance with Company B and your auto insurance with Company A.

Get a quote today and discover everything that our Family of Independent Agents can do for you.

E-Signature Available

Our office in Christiansburg, VA is open regular business hours. If you prefer to stop by we’d be glad to see you.

However, if you prefer to keep your business local but stay “socially distant” then we have a great option for you. E-signature is available for most product lines through our Family of Independent Agents:

  • Auto Insurance
  • Home, Renters, and Landlord Insurance
  • Motorcycle Insurance
  • RV and ATV Insurance
  • General Liability, Workers Compensation, and Builders Risk

Our e-signature option is fast, simple, and can be completed from a computer or mobile phone. We can even send you ID cards, verification of insurance, and payment receipts or schedules for your convenience.

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.

We’re here to serve you.

Auto Insurance ID Cards

It is imperative to keep a copy of your auto insurance ID card with you while you drive. The same is true for any drivers listed on your policy.

In the event of an accident this allows you to quickly provide proof of insurance. If you are stopped by the police while driving or enter a road check, you are required to show verification of insurance.

No matter if you keep your auto insurance ID cards in your wallet, glove box, or on your phone, always make sure you have access to one at all times.

Are Digital ID cards accepted in Virginia? Yes. Forty-nine states, including Virginia, permit drivers to show an electronic copy of their insurance card on a mobile device during a traffic stop.

Your auto insurance ID card is typically mailed to you when you sign-up for a policy and at each policy renewal (unless you opt for paperless documents then your cards will be accessible through your online account).

For most auto insurance carriers, you can also access your auto insurance ID cards through a mobile app. Simply search for your carrier in the app store.

If you are a Dove Insurance customer then you can call or stop by office and we will immediately provide you with cards in the format of your choice.

Serving the Commonwealth of Virginia For Over 50 Years!

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

Let us help.