The Dowd Agencies: Personal Insurance

Personal Insurance

At the Dowd Group, we provide a wide choice of personal insurance, from auto and homeowners, to boats, RV’s and umbrella policies. Our professional staff can assist you in selecting the right coverage options for your specific lifestyle. Below you will find some information on the most popular types of personal insurance. The Dowd Group has been helping people with their insurance needs for over a century. Please contact us today!

Insurance Checkup: 101

* Has your house undergone major renovations or improvements? If so, your home may be underinsured.

* Has your marital status changed? If you have married, for example, you may now qualify for a multi-car discount on your auto insurance.

* Have you purchased new valuables or collectibles? If so, you may be seriously underinsured for these items. Specialty policies or endorsements can properly cover them.

* Are you now participating in a carpool? If so, your exposure to injuring passengers has grown and your liability limits may need to be increased.

* Are you now retired? If so, your auto insurance premium will likely drop since your annual mileage should decrease.

* Have you added a burglar alarm with central station reporting for your home? If so, you could qualify for a homeowners premium discount.

Auto [Get A quote Change or inquiry on your existing policy]

Dowd Insurance Agency Inc - Insurance - Auto Insurance

Personal auto insurance coverage is not a one size fits all type of insurance. Most people have either a car or light truck, but how about motorcycles, RV’s, or even antique autos? The Dowd Insurance experts evaluate your requirements and provide coverage matched to your needs. We’ll explain the variables in auto insurance, such as deductibles, what’s covered and what is excluded, and additional coverage that insures against potential losses as a result of a major accident.

Ways to save on your auto insurance

If your auto and home are written with in the same company you might be eligible for an account credit.
Having two or more vehicles insured in the same company could make you eligible for a multi-car discount.
If you setup EFT (electronic funds transfer) you would not be charged a monthly service fee.
You could get an anti-theft credit if you have a qualifying device installed in your vehicle.

Winter Driving Tips From the MA RMV

Increase the space between your vehicle and others. You need more distance to stop safely on slippery surfaces.
Never lock your brakes on icy roads. You will lose steering control. If you do skid, remember to turn into the direction of the skid.
Increase the space between your vehicle and others. You need more distance to stop safely on slippery surfaces.
Because the earth does not insulate them, bridges and highway overpasses tend to freeze before the rest of the road and can be very slippery.
If it is snowing, start slowly. Test your brakes by tapping them gently to see how much traction your tires have.
Make sure your windshield wipers and defroster are in good condition.
Before driving, remove ice and snow from your vehicle. Clear all windows, windshield wipers, headlights, and brake lights. Clear ice and snow from your vehicle’s roof so they do not blow off while you’re driving and create hazards for drivers behind you.
Keep your fuel tank at least half full to prevent the fuel line from freezing.
Make sure you fill your windshield washer reservoir with a cleaning solution that will not freeze
Keep a blanket, flashlight, and a small shovel in your trunk.
Click on the more link to find hints and tips, FAQ’s and other helpful information.

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Homeowners [Get A quote Change or inquiry on your existing policy]

Dowd Insurance Agency Inc - Insurance - Homeowners Insurance

Your home is most likely the single most valuable thing you own. Homeowners insurance provides coverage in the event your house is damaged or destroyed. It also covers most of your personal possessions, and protects you from liability claims and medical expenses arising from property damage and/or bodily injury that others may suffer.

Tenant/Renters Insurance

As a renter, you have no interest in the building, but you do have personal possessions to protect. A Tenant Policy would provide that protection, in addition to providing liability and medical expense arising from property damage and/or bodily injury that others may suffer.

Condominium Insurance

Condo insurance is similar to a homeowner policy. It does have unique coverage to fit the needs of the condo owner. At Dowd, we know the intricacies of condo and co-op insurance, and will tailor a policy to meet your special requirements

Click on the more link to find hints and tips, FAQ’s and other helpful information.

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Boats, RVs and more!

Dowd Insurance Agency Inc - Insurance - Boat Insurance

Watercraft

Big or small, motor or sail, coastal or inland use, we can provide coverage for your boat. Perhaps you are looking for liability coverage only or a policy to cover the hull, trailer, and liability. Whatever your needs are, we can help.

RV’s

Have a Jet Ski or Snowmobile or Motor Home and are looking for coverage? We can provide coverage.

Umbrella

An Umbrella Policy is a liability policy. Just picture an opened umbrella that protects you from the weather; that’s what an umbrella policy does. It sits opened over your auto policy, homeowner policy, boat policy as an additional layer of liability protection. Umbrella coverage limits start at $1,000,000 and higher limits are available.

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