What Non Collision Events Are Covered Under Your Auto Insurance?

You’re headed down I-81 or Route 460 in the winter, and a deer jumps out in front of your car before you can stop. Maybe you’re driving down a local road when a tree branch crashes onto your vehicle during a storm.

Hopefully, none of this happens to you. But it’s important to understand whether these events are covered under your current insurance policy.

At Dove Insurance Agency, our Family of Independent Agents can help you determine whether your  vehicle is adequately covered. In the meantime, here’s some valuable information about non-collision events and car insurance.

What Does Collision Cover?

Collision coverage pays for costly repairs if you get into an accident. Such as hitting another vehicle or running into a ditch.

However, collision doesn’t cover damage due to rain, fire, flood, glass breakage, or theft.

Comprehensive Coverage for “Everything Else”

Comprehensive insurance, also called Other Than Collision, is the “everything else” bucket for damage to your vehicle.

So, if a tree limb hits your car, a rock slide buries it, or a hail storm damages your hood – you need comprehensive coverage. If you come out of your home, workplace, or shopping center to find your vehicle missing, your comprehensive coverage kicks in. This coverage saves you from significant financial loss in case of these and similar events.

Also included are Acts of God, which in terms of insurance coverage, includes damage due to floods, fire, and storm debris.

What Insurance Is Required in Virginia?

Virginia law doesn’t require comprehensive coverage, but the following insurance is required:

  • Bodily injury and uninsured/underinsured motorist coverage
  • Property damage and uninsured property damage

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.

Blacksburg • Christiansburg • Salem • Radford • Roanoke

3 Home Improvements that Increase Home Value

Fall is a great time to upgrade your Blacksburg, VA home to make it a more comfortable, functional place to live. Some home improvements will even increase your home’s value. Before taking on home improvement projects, talk to an agent from Dove Insurance Agency to see how those improvements will affect the price of your property and home insurance coverage. Here are a few ideas for remodeling jobs that will increase your home’s value.

New Roof

If you own an older home, chances are your roof has quite a bit of wear and tear. Replacing your roof will not only provide greater protection for your home, but it will also increase its value. You can have peace of mind knowing you have a solid roof over your head to endure whatever weather comes your way in the years to come. 

Remodel Kitchen

Kitchen remodeling is another project that can raise the value of your home, especially if you use high-end materials in your remodeling project. Kitchens are popular places in most homes, where families like to gather. Upgrading your cabinets, counters, lights or floors can make your kitchen a more attractive (and functional) environment. If you like to cook, a kitchen upgrade will definitely raise your spirits while preparing meals for your family.

Replacing Windows

Putting in new energy-efficient windows will improve your home’s appearance, boost safety and security, and increase your home’s value. New windows will eliminate drafts so you can maintain a comfortable home temperature year-round without breaking the bank. You’ll also appreciate the security that new windows can provide in protecting your family against break-ins.

Don’t forget to add these projects to your home insurance policy upon completion, so they will be included in your coverage. To update your home insurance, contact Dove Insurance Agency in Blacksburg, VA.

Deciding How Much Life Insurance You Need

It’s difficult to think about your final expenses and image your loved ones having to continue without you. You don’t want to leave your family without anyone to support them or have to pay off the cost of your funeral and other final expenses. At Dove Insurance Agency, serving Blacksburg, VA, and the surrounding area, we can determine an ideal policy to fit your needs, wants, and budget. 

Determine Your Living Expenses

The first step to determining how much insurance you require is to assess your current living expenses. We advise you not to guess at this step. You should look at bank statements and truly total up your expenses. Think about how long it is until your mortgage is paid off. You also want to consider if your spouse works. Keep in mind, if your spouse goes back to work, he or she will need to hire someone to take care of the kids. On the other hand, if you are the stay at home parent and you should happen to pass, you have to consider who will take care of the kids.

Take Into Account Your Debt and Savings

You have to consider the amount of debt you have besides your average monthly expenses. Additionally, you have to take into consideration if you have any savings, 401Ks, or any other money that would go to your family. 

Think of Your Extra Expenses 

You want to think about your children going to college or any money that goes toward taking care of a family member. Keep in mind, you may need to get you and your family health insurance. Funeral expenses fit into this category as well. 

Contact Dove Insurance Agency, serving Blacksburg, VA, and the nearby region, to determine how much life insurance you need by calling or visiting our site. 

 

 

State Insurance Minimums Apply to Both Autos and Motorcycles

State Insurance Minimums Apply to Both Autos and Motorcycles To maintain the privilege of driving on Virginia’s roads, you must maintain proper levels of insurance for an automobile or motorcycle – whichever you own and drive. Dove Insurance Agency of  Blacksburg, VA wants you to remain on the road legally. It explains the state insurance minimums that apply to both autos and motorcycles and discusses the other policy types available to add to an insurance package.

You won’t be able to purchase license plates or renewal decals for the plates without proof of insurance. If you get caught driving without insurance, the state can suspend your license, revoke your vehicle registration privileges, charge you with a $500 statutory fee, plus a reinstatement fee. Once reinstated, you must maintain proof of financial responsibility, also known as insurance, for three years upon suspension.

The minimum coverage for motorcycles and auto insurance is the same. It requires $25,000 for bodily injury or death of one person and $50,000 for bodily injury or death of two or more people, plus $20,000 to cover property damage. That’s only the minimum insurance required. While you must obtain the minimum’s to legally drive on the roads, you may also add to that insurance. 

You can add collision, comprehensive, Personal Injury Protection (PIP) and uninsured driver coverage. Collision covers you when the vehicle hits a stationary object like a parked vehicle, fence,  building, guardrail or potholes. Comprehensive pays for the damage when an animal strikes your vehicle or it gets damaged by an act of God such as flood, tornado, fire or hail. PIP, also called no-fault coverage, pays for what bodily injury liability coverage does not for you and any passengers. You can also add uninsured driver coverage to cover damage to your vehicle and medical costs if your vehicle is struck by a driver who has no insurance or too little.

Dove Insurance Agency of Blacksburg, VA wants you on the road legally. Come by and talk to us about auto or motorcycle insurance for your vehicle.

Preparing for the Life Insurance Test

Many life insurance policies in Blacksburg, VA require a medical exam. An exam will typically be preformed in your office or home at the expense of the insurance company. It only takes about 30 minutes and there are some ways to make the process go much smoother.

Have your paperwork and answers ready. You’ll be asked for a photo ID, along with the names of any former and current doctors. You will be quizzed about your health, inducing medications, vitamins, whether you drink or smoke, or have dangerous pastimes. Don’t lie during this part of the exam or else your insurance could become invalid.

Start preparing a week in advance. Start drinking a lot of water before your appointment, since it will help clean toxins from your system. Drinking a lot of water also makes it easier to get your blood drawn. Skip the drive thru and focus on a diet with lean proteins, good fats, and leafy vegetables. Avoid stressful situations a few days before the test, since stress can elevate the blood pressure. If you are nervous about the exam, ask to have blood pressure taken last. Explain to the examiner that medical tests make you nervous and can elevate blood pressure. Also be sure to cut out alcohol and caffeine three days before.

The day of your exam, limit any extreme exercise because this can mess with your cholesterol levels and may elevate protein levels in the urine. If there are high levels of protein in the urine, the insurer will want to recheck the levels. Get a good night’s sleep, especially if you are on the borderline for blood pressure.

If you are working with a private insurer, such as Dove Insurance Agency, then there may be plans that don’t require a life insurance test and you can work with an agent to get the best rate.

Contact Dove Insurance Agency, serving Blacksburg, VA, to get a quote on life insurance. 

4 Ways to Keep Your Car Safe While You’re On Vacation

Blacksburg and rest the of Southwest Virginia is a beautiful place for vacation destinations. However, it’s hard to relax and enjoy yourself when you’re constantly worried about your belongings. Here are some tips from Dove Insurance Agency to help you keep your car and personal items safe when you’re away from home.

  • Keep everything hidden. When you overpack your vehicle with personal items, the overflow is forced into the seating area. Through the window, potential thieves can clearly see that your car belongs to a traveling person. Remove yourself from the target list by keeping your vehicle clear of incriminating clutter.
  • Invest in travel insurance. Your personal auto insurance policy likely covers your rental vehicle. However, temporary policies offered by the rental office are a good idea too. If you do run into problems, your primary policy won’t be affected and you won’t inadvertently end up on-the-hook for exorbitant out of pocket costs.
  • Deflect and distract. If you absolutely have to store things in the passenger section of your vehicle, use sun shades to cover your front and rear windshields. This reduces visibility and makes it harder for potential thieves to see your stuff.
  • Pick your parking space carefully. Take the time to find the security cameras or booths in your chosen parking venue. Situate your vehicle so that there is an uninterrupted line of sight between your car and the camera. If a theft occurs, you’ll have clear photographic evidence, which makes it more likely that you’ll get your things back.

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.

3 Tips for Getting the Right Life Insurance Policy

At Dove Insurance Agency, every agent knows how important it is to have the right type of life insurance policy. Residents who live in Blacksburg, VA have many different options available to them when it comes to making sure their loved ones are financially secure if the unthinkable happens. The right life insurance can make all of the difference. 

Know Your Goals

Know what your goals are. Do you want to provide for your family if you pass away and leave them behind or do you want to have enough set aside to cover your final expenses? If a term life insurance policy is opened early enough, you may be able to cash it out and use the money for your retirement.

How Much Coverage Do You Want?

Life insurance policies can be written for almost any amount of money if you are willing to pay the premiums. Do you want enough coverage to help your family maintain their lifestyle? Many people want to leave enough money to protect their loved ones from financial disaster.

How Much Do You Want to Pay?

Whole life is more costly than term because it is designed to continue to grow equity. Term life is only for a set period. Once the value of the policy is reached, the payments stop. Term policies are more affordable, but they are also more limited.

In Blacksburg, VA, the agents at Dove Insurance Agency are able to answer all of your questions concerning life insurance and the types of policies that are available. Call today and schedule an appointment so you can get the answers you need.

Accessing Your Attic: Find Out About What Your Home Insurance Policy Says About Utilizing This Space

How many stairs are you willing to climb to get the most benefit from every single inch of your living space? Converting your unfinished attic can affect your home insurance, and it mostly depends on what you plan to do with your space.

Here are just a few home insurance considerations to ponder before you begin your utilization of your attic space:

  • What is the space going to be used for? Is this space going to be a bedroom, a complete dormer, an entertainment area, a nursery? Your insurance responsibilities differ according to how space will be used.
  • Do you plan on renting the space to a family member or outsider? There are several additional consideration that you must review if you are going to rent the space. It will also have ramifications on your entire home insurance policy.
  • What utilities do you want to have in your attic space?  Will you need air-conditioning? Will you need heat? Is this space going to be used during all four seasons of the year?
  • What amenities do you want to place in your attic renovation? Will there be a bathroom? Will there be a kitchen area? Will there be entertainment space?

Market Value vs Replacement Cost

If I only paid $180,000 for my home, why does my insurance company want me to insure it for $225,000?

One of the biggest questions regarding home insurance centers around the amount of coverage to place on your home. Most homeowners assume the amount of coverage will be equal to the amount they paid for their house or the amount your town/county taxes places on your property.

It’s important to understand the difference between these two methods of valuation:

Market value. This is the price paid for your home. Real estate and property tax estimates are based on market value. It’s a method that values property based upon the amount a willing buyer would pay to a willing seller. In other words, the current value of your home based on market prices.

Replacement cost. The cost it will take to rebuild your house in the same spot, at the same size, and with the same quality of construction at today’s costs. Insurance companies use replacement cost, not market value. The specific configurations of your home (ex. square footage, brick or frame, garages, bathrooms, custom kitchens, etc..)  are used to determine the approximate replacement cost.

Here To Help Serve You

If you’re already a homeowner or anticipating a home closing, contact us today.

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.

Let us help.

Can a Dog’s Breed Affect Your Homeowner’s Insurance?

Perhaps you already know most of the factors that affect your Virginia homeowner’s insurance. Common factors that will change your premium rates include the location of your home, your claims history, and the overall condition of your home.

But there is one more factor that you need to be aware of, and that is your pet dog. This is one of the most common and riskiest factors that can even prevent you from being insured at all.

Does the Breed Matter?

Yes, the breed of your dog is a critical factor that will be considered when it comes to creating your home insurance policy. Statistics indicate that at least 4.5 million people are bitten by dogs every year which justifies the fact that your dog can be dangerous to your visitors. In fact, according to III (Insurance Information Institute) dog bite claims cost insurers almost $700 million in 2017.

Most of the insurance providers categorize certain breeds as either high risk or even uninsurable depending on the statistical correlation between the breed of your dog and bite claims payout.

For instance, most of the insurance providers won’t cover the muscular and huge dogs that can inflict severe harm from a single bite. Most providers have a vicious dog list that they use to determine the risk involved in insuring a certain breed. Dogs that are included in a company’s vicious list tend to have a higher chance of causing harm to someone else so the liability is even greater and most companies won’t insure such dogs.

The dogs that most insurance providers deem unacceptable include:

  • German Shepherds
  • Great Danes
  • Pit Bulls
  • Akita
  • Dobermans
  • Rottweilers
  • Staffordshire terriers
  • Chows
  • Any wolf hybrid

Note that the above list is general in terms, and each insurance provider has specific lists and guidelines.

Are you a homeowner in Blacksburg, VA? Contact Dove Insurance Agency for a homeowner’s insurance policy. Instead of working for one company, our Family of Independent Agents represent multiple insurance providers to help you find the best rate and coverages.

Let us help.