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Homeowners Blog

Love that dirty water? Not when it’s in your home

3 misconceptions about flood insurance

In Massachusetts, we enjoy the classic rock hit “Dirty Water,” especially during baseball season in the summer. But it’s a whole different story when that dirty water invades your home.

According to the Federal Emergency Management Agency (FEMA), flooding is the most common natural disaster in the United States, affecting every region and state. Yet there are many misconceptions about flood insurance, and you might mistakenly believe your home is covered when it’s not.

Misconception:… Continue reading →

Everybody knows your name: the benefits of local insurance agents

If you watch any TV these days, it’s likely you’ve seen the commercials: all matter of wildlife, from ducks to geckos, pigeons to Snoopy, trying to sell you insurance from major national brands. They are often good for a chuckle, and lead you to believe that shopping for insurance is fun and simple­­––a matter of checking a few boxes on an online form. But if you really think about what’s at stake, isn’t it worth spending a little time with… Continue reading →

A personal message from John Dowd, president and CEO

Celebrating 35 years with the Dowd Agencies

Forbes magazine noted that less than a third of family-owned businesses survive the transition from the first generation to the second, and fewer than 50 percent of those successfully transition to a third generation. We clearly broke this mold: The Dowd Insurance Agencies is a fourth-generation, family-owned, leading insurance provider that has had the honor of serving our clients throughout New England for more than 118 years.

I recently celebrated 35 years with… Continue reading →

When the dog bites: do you have the right coverage?

Insurance considerations for dog owners

We are a nation of pet-lovers. The ASPCA reports that approximately 78 million dogs are owned in the United States, and over 40 percent of all households have a dog. It may surprise you, but if you are one of them, it’s something you should talk to your insurance company about.

In Massachusetts, dog owners are liable if their dog causes personal injury and the injured person was not trespassing, committing another infraction, or… Continue reading →

National Insurance Awareness Day

3 ways to recognize the importance of this oft-overlooked essential

National Insurance Awareness Day falls on Wednesday, June 28. No fireworks. No cookouts. No decorations. Let’s face it, thinking about insurance is not fun. But still, taking a few minutes to recognize this day could have a tremendous impact on your life, and the lives of your family members.

Everyone needs insurance, whether by law (think auto insurance) or by situation (no one wants to leave their family destitute). Regardless… Continue reading →

Life takes planning

And so does your family’s future

Alan Lakein, author of How to Get Control of Your Time and Your Life, once said: “Failing to plan is planning to fail.” And when it comes to protecting your family’s future, that statement has never been more true.

There are several steps you can take now to protect your family later. Life insurance is one of them.

Do you need life insurance? How much?

To determine if you need life insurance, ask… Continue reading →

Insurance: the wisest investment of your young life

Get it now, be glad you did later    

We’ll be the first to admit it: Insurance isn’t particularly riveting. Don’t get us wrong; we happen to find it quite interesting, and heaven knows it’s important. It simply doesn’t spark much excitement. Not in the way something like a robbery, a serious injury or a lawsuit might. Those things are bound to get the blood pumping—especially if they happen to you.

In a world full of excitement, insurance is… Continue reading →

There’s No Place Like Home

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There truly is no place like home, your own bed, your own space – but what happens when that oasis is damaged? Your home, whether it is a house or a condominium is likely to be your most valuable asset. That is why homeowners insurance is so important, you need to make sure you have the right insurance and that your policy offers you adequate protection.

As you may know, homeowners insurance policies can be very different and are often… Continue reading →

What You Don’t Know About Home Liability Coverage

By: John E. Dowd, Jr.

With families preparing to host barbecues this summer or gearing up to take a weekend trip, it is important to understand that many insurance policies provide for liability coverage, even for certain accidents outside the home.

Liability coverage is a typical component of a homeowner’s insurance policy. While no one expects to be held liable after a friend falls down their stairs, this coverage may help prevent paying out-of-pocket if you are found legally liable.… Continue reading →

Top Three Reasons to Combine Your Insurance Policies

By: John E. Dowd, Jr.

Today our entire lives are bundled, we bundle our cable, internet, and phone, and just like shopping at Costco the idea of ordering in bulk or paying for multiple services through one provider brings the price down. The same can be said for insurance policies. Most Americans start driving under their parents insurance and although some have made changes along the way, most drivers do not make mindful efforts to switch insurance policies. As a… Continue reading →