Need Insurance in Virginia? Let Us Help.

EMAIL US:   Michael Dove  |  Elaine Dove  |  Joshua Dove

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.

Short on time? Start an online quote with 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.

Blacksburg • Christiansburg • Salem • Radford • Roanoke 

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

Let us help.

Can You Reinstate A Cancelled Insurance Policy?

Insurance policies—home, auto, motorcycle, etc..— can cancel for many reasons. And the most likely cause is for non-payment. So can you reinstate a cancelled policy? To put simply: yes, but it depends on your carrier and the specifics of your policy situation.

For starters, personal insurance policies will cancel on the specified cancellation date at 12:01 AM of that day. For example, if your personal policy is set to cancel on Oct. 1st for non-payment then your policy officially cancels at 12:01 AM on Oct. 1st.

Depending on your insurance carrier you may be able to reinstate your policy. Typically you’ll be required to sign a statement of no loss, which if applicable states that you have had no losses since your policy has cancelled and the requested time of reinstatement.

There are many other factors that can affect the specifics of your situation. Some carriers may charge a reinstatement fee. Depending on the length of time between your cancellation and requested reinstatement, the amount to reinstate could be higher than your previous bill.

If your policy has cancelled for non-payment or is about to cancel the best advice is to contact your independent agent or insurance carrier. At Dove Insurance, we can walk you through your options.

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 

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.

What Is Depreciation Holdback?

Standard Virginia Homeowners insurance policies are written on a replacement cost valuation. So why do insurance companies sometimes use deprecation when it comes to filing a homeowners claim?

When you file a homeowners claim your insurance carrier will make an initial assessment of the damage to determine how much it will cost to repair or replace the damaged property. Since this estimate is only an estimate, your carrier may withhold a portion of that claim settlement until the actual replacement cost has been determined. An insurer will never pay you more than you are owed for a loss and if damaged property is not repaired, you may only receive the actual cash value.

Sometimes your claim settlement depends on the type of loss that occurred. For example, your insurance carrier may not pay anything until all the work has been performed on your roof after it has been damaged and no payment may be made until the roofing contractor has completed their work.

In another example, after a lightning strike your insurance carrier may pay a portion of the claim settlement up front so you can begin to replace the damaged property. With appliances (like heat pumps), it can be difficult to determine the exact value of an item that is several years old, so carriers tend to withhold a greater amount of the settlement for depreciation (depreciation holdback). After submitting receipts showing the cost and installment of the new replaced items you will be reimbursed for the difference (minus any deductible).

Depreciation holdback does not happen in every instance, but is one of the ways your claim can be processed.

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.

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

New Car Replacement Coverage

Many auto insurers offer optional coverages for your new vehicle, and perhaps the best is new car replacement coverage.

Simply put this coverage pays to replace your vehicle with a brand new car of the same make and model—meaning no depreciation!

Are there restrictions? Of course. For starters your vehicle must be new. Some carriers will allow “newer” vehicles and the year cutoff depends on the company’s underwriting guidelines.

Our Family of Independent Agents represent multiple carriers, but I think the Premier New Car Replacement® coverage from Travelers Insurance is the headliner. While many insures offer coverage for the first two or three years, Travelers will cover up to five.

Below is some additional information on this offering from Travelers:

What Does Premier New Car Replacement Cover?

Premier New Car Replacement is a coverage package designed to replace your new vehicle with a brand new vehicle of the same make and model if yours is totaled in the first five years of ownership.

You must be the original owner and the vehicle must be the current or a future model year at the time you add this coverage.

This coverage includes:

New Car Replacement Coverage

This covers the cost of a new car of the same make and model, minus the applicable deductibles, if your car is totaled in a covered loss. Fire, theft, larceny and flood losses are excluded.

Loan/Lease Gap Coverage

This coverage protects you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.

Glass Deductible

This is a lower deductible that can be applied in place of your comprehensive deductible for a glass-only loss involving your windshield, windows, and exterior lights or mirrors.

Insurance For New Motorcycle Riders

If you’re a new motorcycle rider congratulations! Not only are motorcycles a great way to enjoy the open roads of the Blue Ridge Mountains and view the scenery of Southwest Virginia, but they’re also a convenient and possible cost saving means of transportation.

Besides learning to ride, obtaining proper Motorcycle Insurance is a critical part of the process. Much like protective gear, insuring your bike can help keep your mind clear and focused on the road ahead. So what’s inside a motorcycle policy?

Take a look and familiarize yourself with these terms so you know what to look for:

Liability Coverage

Like an auto insurance policy, liability coverage covers you for personal injury and/or property damage that you’re liable for while operating your motorcycle. Virginia requires a minimum of $25,000 per person/$50,000 per accident/$20,000 property damage per accident. Higher limits are available and differ for each company.

This also covers guests/passengers that you’re liable for.

Uninsured Motorist Coverage and Uninsured Motorist Property Damage

This provides coverage for you if another party damages your bike or injures you in an accident and does not have insurance, carries too little insurance to cover your bills, or you’re involved in a hit or run. UM/UIM pay for damages to your motorcycle, your injuries/medical bills, and lost wages if you can’t work.

Note that available coverage is limited to no more than your liability coverage limits.

Comprehensive and Collision Coverage

Physical damage coverage for your bike. Motorcyclists take note that this also covers your bike if it’s stolen, vandalized, of if you tun the bike over. Deductibles are available in many options and some insurance providers offer a disappearing deductible.

Medical Payments

Pays for your medical bills (or your passengers’) if you’re in an accident, regardless of who is at fault. Do note that your medical insurance is primary.

Total Loss Coverage, Carried Contents Coverage, Enhanced Injury Protection, Transportation Expenses, Towing/Roadside, and More!

Motorcycle Insurance policies are personalized to your coverage needs. There are numerous carriers to choose from and each one looks at you and your bike in a different way. With the help of our Family of Independent Agents, we help you find a policy tailored to your needs at a competitive price. We represent many of the top Motorcycle Insurance companies in the country, and work for you, not them.

Let us help.

Progressive Home, Auto, and Motorcycle Insurance!

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.

Progressive Insurance

One of the many carriers we represent is Progressive. Our family of Independent Agents can look at bundling your home and auto insurance with Progressive to maximize savings. In fact, these are all the insurance products Progressive offers that we can help you with to bundle and maximize your savings:

  • Auto
  • Home
  • Renters
  • Condo
  • Boat/PWC
  • Motorcycle
  • ATV
  • Dirt Bike
  • Moped/Scooter
  • Snowmobile
  • RV/Trailer
  • Umbrella
  • Golf Cart
  • Segway
  • Commercial Auto

Call to get start today (540) 382-4277 or TEXT US @ (540) 253-1253

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

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!

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!