Summer Home Safety Tips

Summer is the time Blacksburg, VA families and friends begin to gather for barbecues, pool parties and backyard get together’s. The team at Dove Insurance Agency wants to remind you that increased activity around the home can lead to increased risks or accidents, injury, or even illness. Here are some quick safety tips to minimize your risks this summer.

Be Cautious with Yard Equipment

Mowers, edgers, trimmers, and chain saws can cause serious injuries quickly. Make sure debris is picked up before mowing any yard, and wear eye protection when using power yard equipment. Avoid loose clothing and never use a tool for any other purpose than it was created. 

Grill Safely

Backyard grills are the centerpiece for many activities throughout the summer. They also can be the source of injuries, accidents and even illness. Only use long-handled tools. Never leave a lit grill unintended. Keep hot grills outside and away from structures and flammable objects. Thoroughly cook foods to recommended temperatures. Keep grills clean and don’t use marinades for meats as a basting sauce.

Look for Trip and Fall Hazards

Over the course of time, steps can become loose, sidewalks can crack or become uneven and holes can develop in your yard. Take a quick survey of your yard, looking for these trips hazards, and address them as quickly as possible. Make sure you have sufficient outdoor lighting for evening gatherings out of doors. 

Should harm come to someone on your property, you could be exposed to a liability claim. Sufficient homeowners’ insurance can protect you financially from such claims. From the associated legal costs to any settlements or judgments, liability coverage is a critical part of your home insurance. Would your Blacksburg, VA area home be covered? Contact Dove Insurance Agency for a no-obligation homeowners’ insurance review and quote and enjoy your home this summer with greater peace of mind. 

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!

How much life insurance is enough?

Nobody likes to think about life insurance much less talk about it but it should be part of everyone’s long term financial planning. Life insurance is much more than just the death benefit. Knowing that you have enough to take care of any dependents that you may have for as long as they need it is important. At Dove Insurance Agency we have more than 50 years of insurance experience that we are happy to share with our customers.

How much life insurance you need is dependent on several things.

Do you have dependents? Dependents can be your children and spouse but there are others who may be dependent on your income. You may have parents who may need some help as they age, a sibling with a disability, or even a business partner.

How old are your dependents? How many years do you want to provide for them?  If you have young children the number of years may be as much as 20 or more considering they may want to go to college. For a dependent with a disability, it can be for their entire lifetime.

Do you have debt? Most people have some debt but it isn’t just about credit card debt or a car loan. If you have a home, likely you have a mortgage and if it is a recent purchase it can be quite large.

Have you taken care of your final arrangement? These days a funeral can cost upwards of $10,000 and even if you have no other life insurance, having enough to cover your last expenses can save your family trying to gather enough to pay.

Experts recommend that you have at least 8-10 years of your salary in life insurance. This is just a recommendation, your expectations may be much higher or lower. Only you can decide what is enough.

At Dove Insurance Agency in Christiansburg, VA we are here to help you to get the amount of life insurance that is right for you.  Give our office a call for a no-obligation quote or get an online quote instantly!

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!

Premium Credits For Personal Auto Insurance

As I mentioned in a previous post, numerous personal auto insurance carriers in Virginia are sending out “stay at home” credits or “premium payback” to their customers.

The branding of these credits and the payout details vary and are specific to each carrier. But the basic intention is the same: you’ll receive a credit on a portion (15% to 25%) of your April and May premiums.

Some carriers are applying this credit on a customer’s next bill and others are simple sending out a check in the mail.

These credits are being automatically applied so there is nothing you need to do. even your policy is paid in full you’ll still receive the credit.

If you have questions simply give us a call (540) 382-4277

Here are some examples of what carriers are offering:

Save $$$ On Your Personal Insurance

For over 50 Years Dove Insurance has served the Commonwealth of Virginia to help provide multiple insurance services. We’re family owned and operated, and take pride in reaching all across Virginia.

Let us help with your Home, Auto, Motorcycle, RV, and rental properties today. It’s free to quote and we’ll compare rates with multiples carriers to get you the lowest price without sacrificing your coverage limits.

And it’s easy to switch and you’ll get a refund from your prior carrier as they’ll only charge for the number of days the policy was in force.

Too Busy to Call?

Try our text only line to talk with our Family of Independent Agents:

TEXT US AT (540) 253-1253

No Matter Where You Live In Virginia

We’re located in the heart of the New River Valley and have been since the beginning. Yet each and everyday we speak with residents across our Commonwealth from Bristol to Blacksburg, Roanoke to Lynchburg, Richmond the Virginia Beach, and any location in Virginia.

Let Us Help

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

We’re here to serve you.

Will Additional Landscaping Improve Your Home’s Value?

Spring is here! If you could’t tell from the slightly warmer weather then the garden center lines at home improvement stores should tip you off.

There’s a lot going on with the COVID-19 situation, but nature always keeps itself moving. Perhaps it’s because we have some extra time on our hands or that garden centers are one of the few places still open for business, but landscaping has taken a higher priority for most homeowners this year.

As you walk through the aisles of perennials and annuals do you opt for pieces that you personally like or do you choose options that may improve your property value?

First impressions count, and when a buyer sees your home for the first time, curb appeal and the care of the landscaping are the first indicators of how well the home has been cared for.

SFGATE HOMEGUIDE

Before you start planting or removing existing pieces ask yourself about your commitment level. If you have doubts about finishing your project or if it may prove too complicated then look at hiring a local landscaping professional. Most of these local companies provide free estimates and have numerous options available, depending on your needs.

A well-landscaped home has a significant price advantage over a home with no landscaping. This advantage ranges from 5.5 percent to 12.7 percent depending on the type of landscaping and the home’s original value.

SFGATE HOMEGUIDE

Where to start? Remember that a well cared for property doesn’t have to mean an expensively cared for property. Many shrubs and perennials can be purchased very inexpensively. So when deciding between a Japanese maple (beautiful and costly) and the golden arborvitae (beautiful and much cheaper) think about your ROI (return on investment).

Here are a few tips to consider:

  • Shrubs can be purchased in multiple sizes. Smaller containers are cheaper, are easier to plant, and let the shrub grow naturally in your yard.
  • Some shrubs are “forced bloomed” to show you their colors (think azaleas and roses).
  • Always check light exposure and how/if your piece will fit in your garden
  • Flowers, shrubs, and trees grow! Space your choices wisely

What is Other Than Collision Coverage?

Options are abound when it comes to your Virginia auto insurance policy. While liability coverage and uninsured/underinsured motorist coverage are required by state law, other coverage options are just that—optional.

For example, Other Than Collision coverage (sometimes referred to as comprehensive coverage) covers your vehicle from losses such as fire, theft, wind, hail, lighting, vandalism, and if you hit a animal (or an animal hits you!).

Coverage is paid up to the Actual Cash Value of your vehicle at the time of loss minus your policy deductible. Don’t know how your vehicle is worth? A good starting place are reputable services, such as KBB.

Other Than Collision coverage is typically less expensive than Collision coverage. And depending on the value of your vehicle, you may which to keep Other Than Collision on your policy even if it’s an older vehicle or the loan has been paid off.

It’s important to note that some carriers have restrictions on placing Other Than Collision coverage on specific vehicles, such as:

  • The vehicle has a branded or rebuilt title
  • Has prior damage
  • Is over 20 years old

Always ask your Independent Insurance Agent if coverage is available on your policy.

What is Other Than Collision Coverage?

Serving the Commonwealth of Virginia For Over 50 Years!

Working with our Family of Independent Agents constitutes a promise, from our family to yours. We are here to educate you on how to keep covered and secured, no matter what the future may hold.

Our family of Independent Agents will find the best package for your needs. We represent multiple insurance providers and we work for you!

No Matter Where You Live In Virginia!

Compare Term Life Insurance Rates In Seconds

An old saying goes that everyday brings a new challenge. This seems more true with everything going on in the world and our daily lives since the end of February.

With all the hording of food and toilet paper (which still makes no sense), stop and consider that Life Insurance is a necessary product too. It’s a smart financial move, and one that provides assistance to your family.

Dove Insurance Agency has made it easy to compare term life insurance rates with the most reputable companies in the industry. There’s no obligation to these quotes and within seconds you’ll see rate offers:

JUST CLICK AND COMPARE with our online rating tool.

We also have a Life Insurance calculator to help you determine how much coverage you need and an FAQ that answers 5 important questions to the purchase of life insurance.

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!