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.

 

4 Reasons to Purchase Life Insurance Today

One of the best ways to ensure things run smoothly in your wake is purchasing life insurance. It is an excellent method of protecting your family’s finances.

Are you on the fence about purchasing a life insurance policy? The following is an overview of 4 reasons to purchase coverage today.

Tax-Free Loans

One of the best benefits of having a life insurance policy is the ability to take out tax-free loans. An often overlooked benefit of having a life insurance policy is that many people are unaware of the fact that you can often borrow against your policy.

Tax-Free Benefits

On the flip side, another benefit of purchasing a life insurance policy offers tax-free benefits to your beneficiaries as well. This is excellent in that you will be able to let your loved ones know exactly how much money they will be receiving or you can plan everything out yourself, knowing you have enough to cover it. 

Take Care of Funeral Expenses

Life insurance policies also help to cover funeral expenses. Although it may seem grim to plan for such a thing, doing so will ensure your family is not stuck footing the bill for costly funeral arrangements. 

Estate Taxes

Lastly, estate taxes can be costly and can cause many issues when someone is ill or dying. Purchasing a life insurance policy will ensure your family has enough to cover your state taxes when you cannot. 

Overall, if you are seeking a high-quality insurance policy in Blacksburg, VA, Dove Insurance Agency is a fantastic option. Offering outstanding customer service and competitive prices, call, email, or stop by the Blacksburg, VA office to find out how you can start your policy and hopefully save. Contact Dove Insurance Agency today to speak with an agent about your life insurance options.

How Is It Determined That A Car Is Totaled?

The agents of Dove Insurance Agency serve residents who live in and near the Roanoke or Blacksburg, VA area. When it comes to automotive insurance, many of their clients rely on them to explain why their car or truck was totaled after an accident. There are times when a vehicle is totaled, but it still runs and looks as if it could be repaired. It’s important to know how the determination is made when it comes to totaling a vehicle.

Repair Cost vs. Resale Value

The cost of making the needed repairs versus the car’s resale or "book" value will play a definite role in whether the car can be repaired. If the car’s total value is listed at $1000 and the repairs to fix it will cost $1500, the car will be totaled simply because it won’t hold its value if you try to sell it after it’s been fixed. In some cases, the value of the car may hold, but the repairs may be so extensive that the labor makes it a poor repair choice.

Buying the Car

There are some cases where the car is totaled, but the owner has the option to repurchase the vehicle from the junkyard and make the repairs on their own. This is often an excellent choice for an older vehicle that has an engine with low miles. Even though the body may be damaged, the engine still has plenty of life left to it.

If you live in the Roanoke or Blacksburg, VA area and have questions about why a car has been totaled and what your options are, call the agents of Dove Insurance Agency and schedule a consultation today!

When Is the Best Time to Purchase Home Insurance?

As a homeowner in the Blacksburg, VA area, one of the questions that you may have is if you should get home insurance and when is the best time is to purchase a policy. When it comes to the biggest investment of your life, the question should really be, do you want to protect it or not? According to Dove Insurance Agency, if you want to protect it, then you need to get a home insurance policy as soon as possible. 

Imagine that something were to happen to your home and you did not have any home insurance. For example, if there was a fire and your home was destroyed, without insurance, you could lose everything and would have to start from scratch to get a new home. If your home was burglarized, you would have the same result with your belongings.

However, if you had home insurance and either of these things happened to you, you can file a claim and get the financial help that you may need to rebuild or replace any of the items that were lost. Your home and everything that you own is too important and valuable for you to leave to chance. These kinds of things can happen at any time and you need to have home insurance in place before it does.

As you can see, you need to have a home insurance policy on your home as soon as possible if you want to protect your investment. If you currently have a home insurance policy that you want us to examine or if you want a free quote for a home insurance policy, be sure to contact us at Dove Insurance Agency, serving Blacksburg, VA, today. We can help you find exactly what you need and we can make sure that it will fit within your budget. 

Standard Types of Life Insurance

Having proper insurance coverage is a very important responsibility. While most people are aware that they should have a home, auto, and medical insurance coverage, life insurance is often overlooked. Since life insurance is so important, understanding your options is very beneficial. For those that are in the Blacksburg, VA area, whole life and term life are the two most common insurance options and there are benefits to both. 

Whole Life Insurance

Whole life insurance is a type of insurance coverage that will provide you with coverage for your entire life. Beyond providing you with the predetermined life insurance amount, a portion of your premium payments will accrue in an account in your name. You will then be able to liquidate this account and redeem the balance at any time. This can also make a whole life insurance policy a good investment that provides conservative returns with minimal risk.  However, the premium payments tend to be much higher. 

Term Life Insurance

If you are looking for the maximum amount of coverage with a lower payment, term life insurance could be your best option. With term life insurance, you will receive coverage for a certain period of time. The cost of the term life insurance premium will be based on a variety of factors including your age when the policy is taken out, the length of the term, and a variety of other risk factors. 

For those that are in the Blacksburg, VA area, choosing the right life insurance option and policy is a big decision. If you are struggling to understand your insurance needs and options, contacting the Dove Insurance Agency could be a great option. The Dove Insurance Agency will be able to explain your life insurance options and help you find the right policy to meet your needs.