Working From Home? Make Sure You Continue To Support Local Businesses

Over the past few weeks my inbox has been flooded with updates on the virus from every avenue of life. There are important e-mails for work and state/local updates, family and friends, and personal interests e-mails that I subscribe to.

Then there are the unimportant updates such as an online store I shopped at once, unknown businesses that somehow have my contact info, furniture stores I’ve never shopped at, credit card offerings with virus update specials (whatever that means) and jury duty scams.

If you’re working from home or are working more remotely over the next few weeks then you may see a flood of new digital updates and ads.

Support Local Businesses

Just remember that through the sea of change everyone is currently facing, small businesses need our help more than ever.

Restaurants and other service industries have been hit especially hard. There are numerous ways to support your local small businesses, and every bit helps.

You can order a few extra meals out and have them delivered or picked up by curbside service. If your stylist or barber is closed offer to still pay for your monthly fix. If possible keep your monthly service or membership. You can even check local farms, markets, or breweries to see what kind of special services they have available.

None of the ideas above are radical notions. Instead it’s just a small reminder that local businesses have employees and are a part of our community.

Yes, We’re Open! Dove Insurance Coronavirus (COVID-19) update

What a difference a month makes… and a week… also a day.

Obviously the situation with the coronavirus, both locally and nationally, is updating daily and so are business accommodations throughout the Commonwealth of Virginia.

As of today our business hours remain unchanged. We’re constantly monitoring the situation and if needed we’ll adjust our in-person office hours.

However, regardless of our physical location’s hours, our family of Independent Agents will be able to take payments, policy changes, and new business quotes over the phone or through e-mail. We have mobile work access for all lines of business.

Some companies, including Progressive and Grange Insurance, have started to roll out payment options for those affected by the current situation. Feel free to contact us before a payment is made or call your insurance carrier to speak with a billing representative.

We hope that everyone remains safe throughout the coming weeks.

Again, we’re here to help serve you.

Let us help.

Insurance for Lawn Care and Landscaping Services

An Online Insurance Rate from Dove Insurance Agency is the easiest and fastest way to find General Liability coverage for your Virginia Lawn Care and Landscaping Service Business.

Just go to and look for Business Insurance under the Compare Quotes tab.  You can easily put in your basic information, receive a rate, and start a policy.  All in just a few minutes!  You can even request and print Certificates of Insurance for your customers.

Also available are quotes for Workers Compensation and Umbrella Liability.  Online and at your own convenience. 

And while you are on the website take time to get to know us.  We have a large number of satisfied customers for both Personal and Business Insurance all across Virginia.  Read the reviews from some of them. 

As always, if you should need assistance or have questions about the insurance you need, feel free to call our office at 540-382-4277 and speak with one of our Agents.  We are here to help you find the Insurance you need at the best price available!

Do I need Gap Insurance?

Here are some auto financing and purchase numbers for 2019, according to Lendingtree:

  • The average monthly car payment in the U.S. is $550 for new vehicles, $393 for used and $452 for leased
  • Americans borrow an average $32,480 for new vehicles and $20,446 for used.
  • The average price of a new, light-duty vehicle is $38,948. Average used car prices are nearly half — $20,683 as of Q3 2019
  • The average loan term is 69 months for new cars, 35 months for used and 37 months for leased vehicles.

The bottom line is that American car buyers as a group are financing higher amounts and purchasing more expensive cars.

And if you’ve purchased a new car recently you know that once you’re inside the finance office a wave of unexpected purchase options are pushed. Options such as paint protection, scratch and dent coverage, gap coverage, and tire plans are just a few examples.

My purpose today is to look at gap coverage. For starters, gap coverage is almost always cheaper through your insurance carrier than a dealer. Ask your auto insurance provider or Independent Agent before signing your paperwork!

What is Gap Insurance?

Simply put: gap insurance covers the difference between what a vehicle is currently worth (Actual Cash Value) and the amount you actually owe on it.

For example, let’s say a deer stops in the road and the resulting damage to your vehicle is severe and deemed a total loss. Your auto insurance carrier will pay the actual cash value of your vehicle at the time of loss. Remember, cars depreciate quickly and most cars lose 20 percent of their value within a year.

So your insurance carrier pays you $25,000 for the vehicle but you still owe $35,000 to your finance company. Now you have a gap of $10,000. This is where gap insurance comes in and pays off the difference.

When To Consider Gap Insurance

According to the III (Insurance Information Institute) you may consider gap insurance if you:

  • Made less than a 20 percent down payment
  • Financed for 60 months or longer
  • Leased the vehicle (carrying gap insurance is generally required for a lease)
  • Purchased a vehicle that depreciates faster than the average
  • Rolled over negative equity from an old car loan into the new loan

If your car is not finance then you don’t need gap insurance.

How Much Does Gap Insurance Cost?

Not a lot. Depending on your vehicle and coverage situation it can be as little as $20 a year!

Coverage B: Other Structures

Standard on Virginia homeowners policies are coverages labeled:

  • A – Dwelling
  • B – Other Structures
  • C – Personal Property
  • D – Loss of use
  • E – Personal Laibility
  • F – Medical Payments to Others

Coverage A is based on the replacement cost or ACV of your property, depending on the valuation your policy is based on. Coverages E and F come in various amounts offered by each specific carrier.

Coverages B, C, and D are automatically included on your homeowners policy for no additional premium and are based on your Coverage A – Dwelling amount. Typical coverage amounts are set on certain percentages offered by each carrier.

Coverage B

Our focus today is on Coverage B – Other Structures. This provides coverage on structures not attached to the main dwelling such as detached garages, sheds, and outbuildings.

Note that not every building type will be covered. Certain structures such as other dwellings (apartment buildings, mobile homes), specific structures without a masonry or concrete foundation, and structures used in the course of a business are generally not covered. It’s a good idea to ask your carrier for a full list of acceptability.

Virginia homeowners policies typically provide 10% of coverage for Coverage B – Other Structures. Again, this amount is provided at no additional premium.

So if you carry $200,000 for Coverage A – Dwelling then you’ll receive up to $20,000 (10%) for Coverage B – Other Structures. Even if you do not have any other structures your policy will still provide this amount for any future other structures added on.

Additional coverage is available for an additional premium.

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.