How Much Life Insurance Do You Need?

When purchasing life insurance, the question really isn’t how much you need, but how much capital your family will need at the time of your death, which depends on two variables:

  • Expenses. How much will be needed at death to meet immediate obligations? This amount takes into account all final expenses: uncovered medical bills, funeral and estate-settling costs, outstanding debts, mortgage balance, and college costs to name a few.
  • Income. How much future income is needed to sustain the household? This is the number you’ll arrive at after calculating the “present value” of cash-flow streams your family will need after your death.

We Provide Certificates of Insurance For Your Business Clients

It’s common for clients and customers of your business to ask for a Certificates of Insurance

At Dove Insurance Agency, we can provide business insurance customers with Certificates of Insurance for General Liability, Business Auto, and Workers Compensation.

Information Needed For Certificates

We will need the complete name and postal address for the Certificate Holder along with any special requirements.  We can then send the certificate to the holder by fax or email.

New customers can go to our Business Insurance page to request an easy instant quote for most General Liability or Workers Compensation policies.

Does Homeowners Insurance cover partially damaged roofs?

During the fall and winter in southwest Virginia it’s common for cold fronts to bring strong winds to our area.

So what happens if a storm damages your roof and blows some shingles off? Is this covered by your homeowners policy?

Yes, partially damaged roofs are covered on your homeowners policy. However, your deductible applies first before coverage is available. Remember that your policy deductible is the amount you’re responsible for before insurance “kicks in.”

Homeowners insurance only pays for the damaged part of the roof. So if a storm blows some shingles off or if the roof is partially damaged, your policy will not pay for a brand new roof. Again, only the damaged part is covered.

A typical homeowners policy will have a deductible of $1,000. It’s a good idea to review your deductible every few years to see if you have enough cash saved in case of a claim. A higher deductible will lower your policy 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.

Easy Virginia Business Insurance Online

We are pleased to offer General Liability business insurance quotes online for many types of Virginia businesses.

Some of the most common are trade contractors such as Residential Plumbing, HVAC, Residential Remodelers, Electrical, Landscaping, and Janitorial Services.

Other polices are also available for Workers Compensation and business owners of Offices, Beauty and Barber Shops, Coffee Shops, and Snack Bars.

It’s easy and fast. START YOUR QUOTE NOW

If you have any questions at all, or would like to talk with a local independent agent, contact Mike at Dove Insurance, 540-382-4277.

What Non Collision Events Are Covered Under Your Auto Insurance?

You’re headed down I-81 or Route 460 in the winter, and a deer jumps out in front of your car before you can stop. Maybe you’re driving down a local road when a tree branch crashes onto your vehicle during a storm.

Hopefully, none of this happens to you. But it’s important to understand whether these events are covered under your current insurance policy.

At Dove Insurance Agency, our Family of Independent Agents can help you determine whether your  vehicle is adequately covered. In the meantime, here’s some valuable information about non-collision events and car insurance.

What Does Collision Cover?

Collision coverage pays for costly repairs if you get into an accident. Such as hitting another vehicle or running into a ditch.

However, collision doesn’t cover damage due to rain, fire, flood, glass breakage, or theft.

Comprehensive Coverage for “Everything Else”

Comprehensive insurance, also called Other Than Collision, is the “everything else” bucket for damage to your vehicle.

So, if a tree limb hits your car, a rock slide buries it, or a hail storm damages your hood – you need comprehensive coverage. If you come out of your home, workplace, or shopping center to find your vehicle missing, your comprehensive coverage kicks in. This coverage saves you from significant financial loss in case of these and similar events.

Also included are Acts of God, which in terms of insurance coverage, includes damage due to floods, fire, and storm debris.

What Insurance Is Required in Virginia?

Virginia law doesn’t require comprehensive coverage, but the following insurance is required:

  • Bodily injury and uninsured/underinsured motorist coverage
  • Property damage and uninsured property damage

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

New Insurance Technology: DIY Home Inspections

Technology continues to disrupt each industry and insurance is no different. When I say disrupt, this isn’t meant in a negative way.

There are numerous examples of how technology has simplified both personal and business insurance. Sometimes it shows up in your yearly premium, and often you’ll see it as “ease of doing business.”

Do-It-Yourself Home Inspections

Whenever you start a new home insurance policy your carrier will inspect the property. These inspections are exterior only, though if your property is deemed high valued (typically $1 million plus) your carrier may require an interior inspection as well.

More insurance carriers in Virginia are rolling out DIY home inspections. Instead of sending someone, your inspections can literally be completed in the palm of your hand. All you need is smart mobile device and 10-20 minutes.

These apps will link to your insurance policy and upload the pictures directly to your carrier. For example, the app may ask you to take a picture of your home from the outside front with the roof line pictured as clear as possible. Then you just snap and send.

A DIY inspection is not available for each insurance carrier. I expect in the next few years this will be widely adopted, and some carriers may require a DIY inspection as part of the application process.

What To Do Now That You’ve Paid Off Your Car or Home.

First off, congratulations! Hopefully by paying off your vehicle or home you’re one step closer to being debt free.

While the loan may be satisfied there are still other items that need your attention. Here are 3 things to do now that you’ve paid off your car or home:

  1. Contact Your Insurance Agent. When you finalize your payment requirements for your loan it’s up to you to notify your insurance carrier. Credit unions, mortgagees, and banks (even local ones) will not contact your insurance carrier to be removed from the policy. That falls on you. It’s a small task, but it can help avoid a bigger problem down the road.
  2. Review Your Insurance Coverages. According to lendingtree statistics, the average auto loan length in Q1 of 2019 was 69 months! Now that your car is paid off do you still need full coverage? Or would lowering your deductibles help save on the rate? Now that enough time has passed do you need to increase your liability limits? The point being that there are many benefits by reviewing and updating your insurance policies.
  3. Consider Paying Your Insurance Policies In Full. With the extra monthly payment gone it’s a good idea to look at other ways to save on your insurance policies. Your homeowners insurance is already calculated on a paid in full basis if it was previously mortgagee billed. If you elect to put it into payments that will increase the rate. Many carriers, including Progressive, Travelers, Safeco, and Grange, offer discounts for paying your policies in full. Paid in full discounts can even be up to 20%!

How to get an Insurance quote for your Business

If you need Insurance for your Virginia Business you should contact us at Dove Insurance. 

We can help with many business types, such as Accounting Office, Church, or an HVAC Business. And we have several coverage and carrier options for you with top Insurers including Travelers, Liberty Mutual, and Hartford.

You can contact Dove Insurance at 540-382-4277 or just email me at

Does my technology office need Workers Compensation Insurance in Virginia?

One of the questions we often hear is “Am I required to have Workers Compensation Insurance?”

If a business has more than 2 employees then Workers Compensation is required regardless of the type of business. 

The definition of an employee is purposely broad.  It includes not just direct employees but also 1099 workers and uninsured subcontractors as well as temporary or seasonal workers.

Insurance rates are based on payroll and not on the number of employees. When you begin a Workers Compensation policy your premium is based on your estimated payroll for the year. 

At the end of the policy year the Insurance Company will normally request an audit to determine the actual payroll. 

If your actual payroll is greater than the original estimate then you may be billed for the difference. If your actual payroll is less than the estimate you may be entitled to a premium refund.

You can call our office at 540-382-4277 if you would like a rate proposal or send me an e-mail.

Workers Compensation for Offices and Small Business are normally very affordable in Virginia.

3 Home Improvements that Increase Home Value

Fall is a great time to upgrade your Blacksburg, VA home to make it a more comfortable, functional place to live. Some home improvements will even increase your home’s value. Before taking on home improvement projects, talk to an agent from Dove Insurance Agency to see how those improvements will affect the price of your property and home insurance coverage. Here are a few ideas for remodeling jobs that will increase your home’s value.

New Roof

If you own an older home, chances are your roof has quite a bit of wear and tear. Replacing your roof will not only provide greater protection for your home, but it will also increase its value. You can have peace of mind knowing you have a solid roof over your head to endure whatever weather comes your way in the years to come. 

Remodel Kitchen

Kitchen remodeling is another project that can raise the value of your home, especially if you use high-end materials in your remodeling project. Kitchens are popular places in most homes, where families like to gather. Upgrading your cabinets, counters, lights or floors can make your kitchen a more attractive (and functional) environment. If you like to cook, a kitchen upgrade will definitely raise your spirits while preparing meals for your family.

Replacing Windows

Putting in new energy-efficient windows will improve your home’s appearance, boost safety and security, and increase your home’s value. New windows will eliminate drafts so you can maintain a comfortable home temperature year-round without breaking the bank. You’ll also appreciate the security that new windows can provide in protecting your family against break-ins.

Don’t forget to add these projects to your home insurance policy upon completion, so they will be included in your coverage. To update your home insurance, contact Dove Insurance Agency in Blacksburg, VA.