How Will The Age of My Roof Affect My Home Insurance?

How old is your roof? The question may be simple, yet for many homeowners it’s a difficult one to answer. Unless you’ve replaced it during your ownership, discovering the roof’s age can take some research—and remember, no signs of leaking doesn’t mean it’s in acceptable condition.

If your property is a recent purchase then your home inspection report should have a section on the roof’s condition. For older purchases, a roofing contractor can estimate the life expectancy of your current roof, and identify any issues.

Checking the roof from the ground is a poor way to assess your roof’s condition. Shingles wear, tear, and age. They also curl and come loose. The flashing around your vents may need updating or perhaps it’s your ridge vent that needs fixing. You could also have mold in hard to see areas.

Having your roof inspected every five years or so is a good habit to keep. It’ll give you peace of mind and help identify any problems early on.

So how does your roof’s age and condition factor into your home insurance? Well, it depends on your situation and the specifics of your insurance carrier:

  • For new policies, most insurance providers will have an age requirement for your roof. Typically it must be no more than 20 or 25 years old.
  • The life expectancy of your roof is also a factor. For example, if an inspection on your house is ordered and your insurance provider has questions regarding the life expectancy of your roof (how many reasonable years it has left), you may need a professional roofer to inspect and sign off on its current state.
  • Type of roof matters. Metal, asphalt, and architectural shingles can make a difference in the rate but also the replacement cost for your home.
  • Some home insurance policies provide discounts for newer, full replace roofs, while some policies will surcharge for older, poorer condition roofs
  • A Roof in poor condition can be deemed unacceptable and may result in a policy cancellation if repairs/concerns are not met.
Insurance policies for any type of property!

Local Insurance Options, Personal and Commercial

Management is doing things right; leadership is doing the right things.” — Peter Drucker

The above quote has been recited countless times in management and business courses throughout the world. To build better leaders and to improve efficiency in an ever evolving society, we need sound principles to retain our focus. But these words aren’t solely for businesses applications as our daily lives can reap enormous benefits from this wisdom as well.

Being part of a community as a business owner means many things. Yet first and foremost is the simple fact that you, as an individual, represent both your personal and business identities. Our family agency started in Radford, Va over 50 years ago. We’ve been able to grow by building relationships across the Commonwealth and trying our best to provide superior customer service. Now three generations strong our family agency is still growing. So, as simple as it may seem, we’d like to say Thank You—to everyone we’ve had the pleasure to know over the years.

When you understand the role insurance plays for your home, auto or business, it’s easy to see how effective certain coverages can be and the immense value they hold.

The good news is that our family of Independent Agents can work with you one-on-one to find the right solution for your insurance needs. When you meet with one of our Independent Agents, you’re giving yourself the best opportunity to find the best value.

Simply put: We Don’t Work For Just One Insurance Carrier.

When you walk inside our doors or call us on the phone, we listen to your needs and help you make the correct choices.

This means you’ll never be forced into a specific company or into a policy that ultimately feels wrong. And unlike an online insurance provider, our family of Independent Agents can give you personalized attention and help whenever you have questions.

At Dove Insurance, we’ve worked with our clients across the Commonwealth of Virginia for over 50 years to help them make the right decisions. By choosing Dove Insurance, you can cover any of your personal and commercials insurance needs, such as:

Home
Personal Autos
Rental Properties
Life Insurance
Flood Insurance
Motorcycles
ATVs
Boats
RVs
Classic Cars
Commercial Auto
Personal Umbrella
Condominiums
Renter’s Insurance
General & Excess Liability
Businessowners Policy
Commercial Packages
Commercial Umbrella
Worker’s Compensation

Discover everything an Independent Agent can do for you!

Dove Insurance serves Virginia; including Blacksburg, Carawba, Centreville, Christiansburg, Covington, Floyd, Galax. Harrisonburg, Hopewell, Leesburg, Lynchburg, Pulaski, Radford, Richmond, Riner, Roanoke, Salem, Staunton, Waynesboro, and Wytheville.

Learn How a Wood Stove Can Affect Your Insurance

Ask a lot of homeowners in southwest Virginia about an attractive way to add charm to a home and one popular answer you’ll hear is to install a wood stove. Not only do wood stoves provide supplemental heat in the winter, but the natural smell of burning wood is tough to beat. And depending on your budget, some wood stoves add a unique aesthetic touch to any room.

But did you know that a wood stove can affect your homeowners insurance?

In fact, one of the biggest concerns with a wood stove is eligibility issues. Some insurance carriers won’t issue a policy with a wood stove, and most carriers add a small charge to your premium for having one.

And it doesn’t matter if the wood stove is used—just the presence of a flue is enough.

So what do you need to know about a wood stove and your insurance policy? Here are some items to consider:

  1. Wood stoves must be disclosed on an insurance application or if installed later it’s your responsibility to notify your insurance carrier.
  2. Check with your insurance carrier about wood stove requirements. These vary from company to company, but usually include requirements such as professional installation, annually cleaned/safety check, and signed company specific questionnaire.
  3. The location of your wood stove matters. For example, having a wood stove in a garage or detached structure is unacceptable by many carriers. Always ask about outdoor wood stoves.
  4. Most insurance companies will not allow a wood stove to be the main heat source. A thermostatically controlled heating system is generally required

Serving The Commonwealth of Virginia For Over 50 Years

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.

A Quick Look at the Long History of Travelers Insurance

“In 1864, Hartford businessman James G. Batterson met a local banker, James E. Bolter, in the post office. Bolter had heard that Batterson and several fellow townsmen were organizing a company to introduce accident insurance to the United States. He asked Batterson how much he would charge to insure him for his four-block walk home. “Two cents,” Batterson said.”

Between TV, internet, and radio ads it’s rare for an insurance commercial not to be seen or heard every hour. Some are funny, and some not. Interestingly very few tell you anything about their coverage offerings outside a few catch phrases, but that’s another discussion.

My point is that as consumers we only hear from 4 or 5 insurance companies when in fact there’s 100 licensed carriers in Virginia.

One of the oldest and most reliable insurance carriers, Travelers Insurance (A++ by A.M. best), is one of many options you have for personal and commercial insurance lines in Virginia. As an Independent Insurance Agency, our family at Dove Insurance has worked with Travelers Insurance for 50 years.

Our take on this long partnership is simple: you don’t do business with someone this long if they don’t take of people. And Travelers has done an excellent job over the decades.

Interesting Facts About Travelers Insurance

Travelers Insurance has as a history of insurance firsts. Just take a look at this long list of industry milestones:

1864: *Introduced accident insurance.
1897: *Issued an automobile insurance policy.
1889: Offered liability insurance to employers, known today as workers compensation.
1903: *Opened an insurance school.
1904: *Organized a corps of safety engineers.
1919: *Offered aircraft liability insurance, with a full aviation program.
1956: *Established a weather research center.
1958: *Offered life insurance to women at lower rates than men.
1961: *Introduced a new coverage option for electronic data processing.
1968: *Pioneered the “CAT Van,” a specially modified RV used as a mobile claim office to assist policyholders after disasters.
1969: *Issued accident policies for space flight and lunar exploration.
1971: *Established the Office of Consumer Information, providing all consumers, not just Travelers customers, with a toll-free number, to call and comment on insurance issues or ask insurance-related questions.
1980: *Installed an interactive company/insurance agency computer system.
1997: *Launched an insurance policy to protect individuals who use personal computers for online banking.

*Insurance industry first

 

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.

Multiple Options For Your Home or Rental Property

We all love options. Having only one path, especially when purchasing a product, can make us feel uneasy. Think about the last time you purchased a car, a home, or even dinner. You had lots of options for each of these purchases, and were never limited to just one choice. Insurance is no different. Though the same three or four insurance companies run endless, and sometimes funny, TV and radio commercials they represent only a small portion of available insurance providers.

  • Is there a better option?
  • Am I paying too much?
  • Does this company fit my billing needs?
  • Are there specific coverages I should know about?

Multiple Carriers, Multiple Options

At Dove Insurance Agency, 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. Check at this list of just some of the insurance companies we represent for home and property insurance:

  • Progressive Home
  • Travelers Insurance
  • Safeco (part of Liberty Mutual)
  • The Hartford
  • Northern Neck Insurance
  • Lititz Mutual
  • National General Insurance
  • Universal Property & Casualty
  • Mercury Insurance
  • State Auto
  • Grange Insurance
  • and more!

Check out what other people are saying about Dove Insurance Agency.

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.

 

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. 

Finding Value In Your Policy

When you understand the role insurance plays for your home, auto or business, it’s easy to see how effective certain coverages can be and the immense value they hold.

The good news is that our family of Independent Agents can work with you one-on-one to find the right solution for your insurance needs. When you meet with one of our Independent Agents, you’re giving yourself the best opportunity to find the best value.

Simply put: We Don’t Work For Just One Insurance Carrier.

When you walk inside our doors or call us on the phone, we listen to your needs and help you make the correct choices.

This means you’ll never be forced into a specific company or into a policy that ultimately feels wrong. And unlike an online insurance provider, our family of Independent Agents can give you personalized attention and help whenever you have questions.

At Dove Insurance, we’ve worked with our clients across the Commonwealth of Virginia for over 50 years to help them make the right decisions. By choosing Dove Insurance, you can cover any of your personal and commercials insurance needs, such as:

  • Home
  • Personal Autos
  • Life Insurance
  • Health Insurance
  • Flood Insurance
  • Earthquake Insurance
  • Motorcycles & ATVs
  • Boats
  • RVs
  • Classic Cars
  • Condominiums
  • Renter’s Insurance
  • General & Excess Liability Coverage
  • Businessowners Policy
  • Commercial Package Policies
  • Personal & Commercial Umbrella
  • Commercial Auto
  • Worker’s Compensation
  • Bonds
  • & More!!!

Discover everything an Independent Agent can do for you!

Dove Insurance serves Virginia; including Blacksburg, Carawba, Centreville, Christiansburg, Covington, Floyd, Galax. Harrisonburg, Hopewell, Leesburg, Lynchburg, Pulaski, Radford, Richmond, Riner, Roanoke, Salem, Staunton, Waynesboro, and Wytheville. We help provide home insurance, auto insurance, business insurance, umbrella insurance, commercial auto insurance, life insurance, flood insurance, valuable items insurance and liability insurance.

Does Home Insurance Protect Jewelry?

Jewelry is a treasure. Most jewelry is gifts that we receive from our loved ones. Losing these possessions or seeing them damaged can be painful. You should ensure that your jewels have insurance coverage by getting a policy from Dove Insurance Agency.

However, most people do not know if their jewelry is protected by their homeowner’s insurance. Take a scenario where you have lost your engagement ring; you are left wondering if your homeowner’s insurance will cover the loss or if you will have to pay for the ring out of pocket.

When are jewels protected under home insurance?

Fortunately, your home insurance protects your jewelry if it is stolen or if it is damaged by some perils like hail, fire, smoke damage, and vandalism, just to mention a few. For example, if thieves break into your home while you are at work or on vacation, your home insurance policy will pay for part of the jewelry’s value. The value will be determined by the limit defined by the particular policy. Also, if a fire occurs in your home and ruins your jewel collection, the replacement cost will be catered for but only up to an absolute limit.

When are pieces of jewelry not protected under home insurance?

Your jewelry is not protected by your homeowner’s policy in some circumstances, for example, if you misplace it, or if it is lost in a flood, you will need an extra policy for its replacement.

It is wise to get an insurance policy specifically designed to protect your jewels. If you are in Blacksburg, VA, contact Dove Insurance Agency, and we will answer your questions about jewelry protection and home insurance. We serve Blacksburg, Salem, Riner, Radford, Roanoke, and Christiansburg and can help you get the right policy for your home. Also, try our online rating tool for quotes on home and auto insurance.