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.
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.
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
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.
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!
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:
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 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 a lot of options for each of these purchases and were never limited to just one choice.
Insurance is no different. Though you may hear see endless ads from the same three or four insurance companies, 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:
As a result of the stay at home lockdowns in most U.S. states, many insurance carriers are offering a stay at home credit or returned premium credit for personal auto insurance. Simply put: we’re driving less and that means fewer claims.
No action is required on your part to receive these credits. Each carrier is offering them slightly different, and more carriers are expected to roll out their response in the next few weeks.
When you hear home inventory what comes to mind? Do you picture all the rooms in your home and all the meaningful personal items that fill them? This is certainly part of it but what about the things that you don’t use or look at every day. Have you ever considered how many seasonal decorations that you have? Probably not, if you are like most people you have a combination of items that you inherited, accumulated and only look at for a few days or months every year. At Dove Insurance Agency in Blacksburg, VA we want to share our more than 50 years of experience with our current and future customers.
You can opt to do a digital inventory or you can do it the traditional way with a pad and a pen. Whichever way you choose, you need to go through your home room by room and make a record of all the things that it contains. It needs to be detailed and when it comes to electronics especially, having a sales slip, brand name, model number and serial number is not too much information to include. The more detail you include, the better chance that you will have when it comes to a claim of having your items replaced.
You need to go into your closets, attic, and basement. Open cupboards, drawers and look on shelves. Bring along your camera if you are writing the items and take pictures. Having an appraisal for any of your more expensive items is vital. Being detail-oriented is a very good thing. When you are finished place your inventory in a safe place, safe from fire or flood.
If you want to learn more about creating a home inventory or any other insurance questions, give Dove Insurance Agency on Blacksburg, VA a call. We look forward to helping you no matter what your insurance needs.
A quick answer to the above question is yes… and no.
Coverage depends on your carrier, and specifically the eligibility in their pool requirements. For example, here are (2) different insurance companies and their underwriting guidelines for pools:
“Properties with swimming pools, hot tubs or spas must be gated with a minimum of a 4 foot fence and locking gate or approved alternate enclosure. Swimming pools, hot tubs and spas must be maintained in working condition. Diving boards or slides are not permitted.”
“Properties with unfenced swimming pools, diving boards, or pool slides are ineligible.”
While the above specifics may sound similar there are some notable differences. Some insurance companies have even more specific language for pool requirements such as a minimum required pool depth.
Bottom line: you should always check with your insurance agent about coverage for pools. Don’t assume that coverage applies or that your property remains eligible. Always ask.
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.
Update 4-21-2020: Office hours still remain unchanged!
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 take new business quotes in office, over the phone, or through e-mail.
We have mobile work access for all lines of business including a TEXT ONLY LINE (540)-253-1253
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.
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
DoveInsurance.com 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.
available are quotes for Workers Compensation and Umbrella Liability. Online and at your own convenience.
you are on the DoveInsurance.com 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!