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Bundling Your Insurance Plans Can Help You Save a Bundle

If you’re like most people, you are likely already aware of the benefits of bundling. Perhaps you bundle your cable, internet and phone service. Or maybe you bundle your order as a value meal at your local fast-food restaurant (would you like fries with that?). Bundling your insurance policies––for example home, auto and life––can also save you both time and money and net you better customer service as well.

Rather than having to deal with multiple companies, you can streamline… Continue reading →

Landlord insurance: don’t rent out without it

Rental Agreement with KeysKnow how to protect your rental property.

When you buy a home, you buy homeowners insurance—usually. The exception? When the home you own isn’t for you to occupy.

Rental property, whether a single-family home or one split into multiple units, is a whole different ballgame in terms of insurance. Although one or more parties call the place home, homeowners insurance typically does not provide appropriate coverage for a residence that primarily generates rent. That’s why someone (surely some brilliant forbear… Continue reading →

Give thanks, stay safe

 Simple safety measures make for a happily memorable Thanksgiving

On Thanksgiving Day, millions of Americans fall into one of two categories: the travelers and the hosts. As to which represents the smaller piece of the furcula (better known as the wishbone; #TurkeyTrivia), that depends heavily on whom you ask. Some would rather spend hours crawling a highway than days cleaning to in-law standards, while others wouldn’t trade their homey kitchen traditions for all the pumpkin pies on Earth. In… Continue reading →

David W. Griffin Sr. commended for 35-year commitment to the CIC

David W. Griffin, Sr.

David W. Griffin Sr., CIC, LIA, the executive vice president and treasurer of The Dowd Agencies, LLC, has been recognized by The Society of Certified Insurance Counselors (CIC) for his 35 years of committed professional leadership and advanced knowledge. Griffin earned the designation through a series of rigorous examinations and has maintained the designation by annual attendance at an approved CIC continuing education program.

“It’s wonderful to be recognized by the CIC for my longevity and commitment,” said Griffin. “Ongoing… Continue reading →

David W. Griffin, Jr., promoted to vice president at The Dowd Insurance Agencies

The Dowd Insurance Agencies, a leading insurance provider serving New England for more than 118 years, today announced David W. Griffin, Jr., has been promoted to vice president of The Dowd Insurance Agencies. Griffin is based out of the Holyoke office and works with the other branches based in Hadley, Southampton, Ludlow and Indian Orchard.

“The Dowd Insurance Agencies is the oldest family-owned agency in Massachusetts,” said David W. Griffin, Sr., “and I am very proud that my son… Continue reading →

Five generations later, Holyoke’s Dowd Agencies stays true to insurance roots

Written by Keith O’Connor, Special to The Republican

No story about the Dowd Agencies – the oldest insurance agency in Massachusetts under continuous family ownership – and its tremendous growth over the years can be told without a little background history first.

Like many Irish immigrants who came to settle in Holyoke, James J. Dowd arrived in the Paper City in 1865 to build a better life for himself and his family.

While Dowd worked in a textile mill, one… Continue reading →



The Dowd Insurance Agencies, a leading insurance provider serving New England for more than 118 years, today announced Jack Dowd will be joining the agency as an Account Executive. The addition of Jack Dowd represents the fifth generation of family to be employed at The Dowd Insurance Agencies.

“It’s a real sense of pride that I feel welcoming my son, Jack, to the family business representing the fifth generation here at The Dowd Insurance Agencies,” said John E. Dowd,… Continue reading →


Michael G. Rzepka Michael G. Rzepka joined The Dowd Insurance Agencies in 1991
The Dowd Insurance Agencies, a leading insurance provider serving New England for more than 118 years, today announced Michael G. Rzepka is celebrating his 25th anniversary as part of the firm. Rzepka joined The Dowd Insurance Agencies in 1991 with a concentration on commercial sales and has provided a quarter century of local service. For more than three decades, Rzepka has held various positions in commercial underwriting, marketing… Continue reading →


Jon-Lumbra_1853-4x6 The Dowd Insurance Agencies, a leading insurance provider serving New England for over 115 years, today announced the appointment of Chief Financial Officer, Jon D. Lumbra.  A resident of Holyoke, Lumbra will be responsible for directing the fiscal operations of the business and supervising the accounting department. In addition, he will assist in the planning, establishing and maintaining of current systems and procedures.

“We are pleased to welcome Jon to the team,” said David Griffin W. Griffin,… Continue reading →


1601063_DOWD-WebTimeline-Slide19The Dowd Insurance Agencies, a leading insurance provider serving New England for 118 years, today announced it will enter into a strategic alliance with a subsidiary of The Quincy Mutual Group. Through Quincy Perpetuation Partners (QPP), the new subsidiary, Quincy Mutual will invest in a 20 percent ownership position in The Dowd Insurance Agencies.

A full-service agency, The Dowd Insurance Agencies have been helping people and businesses in western Massachusetts with their personal insurance, commercial insurance, and financial-planning needs… Continue reading →

Homeowners’ Liability Often Extends Beyond the Home

One misconception about homeowners’ liability insurance coverage is that it covers only incidents in the home. In actuality, the comprehensive personal liability (CPL) coverage under a homeowners’ insurance policy is really not associated with any location, other than the limitations and exclusions on the policy. Read full article on BusinessWest.com here.

FEMA May Reimburse Short-Term Lodging Expenses

WESTFIELD, Mass. — Residents of Hampden and Worcester Counties who stayed at hotels, motels or other short-term lodging at their own expense because their homes were damaged in the June 1 severe storms and tornadoes may be eligible for reimbursement of those expenses.

Survivors must have had damage to their homes or loss of utilities on or after the June 1 incident that forced them to relocate.

They must register with FEMA to determine if they are eligible for lodging… Continue reading →

Certificates of Insurance, Evidence of Coverage Forms and Binders

Certificates of insurance, evidence of coverage forms and binders (collectively hereafter referred to as “certificates of insurance”) are intended to summarize insurance policies, including liability limits, in lieu of providing the actual polices to insureds or third parties as proof of coverage.

The Massachusetts Division of Insurance (“Division”) has been informed, however, that some insurance companies and insurance producers are being asked to provide certificates of insurance that purport to amend, extend or otherwise alter the terms of insurance provided… Continue reading →

Tornado Assistance

SBA Assistance

SBA provides low-interest business loans of up to $2 million to cover both repair of physical damage and to help a business overcome distaster-related economic injury. Rates will not exceed 4 percent for businesses with no other credit options and repayment terms of up to 30 years are available. If your business property secures and existing mortgage, a refinance of that mortgage can be included in the new loan. For more information, call (800) 659-2955 [TTY (800) 877-8339]… Continue reading →

Red Cross Assisting Torando Victims

The Red Cross Safe and Well website is being used to track residents who have been displaced by the tornadoes in the Springfield area.

It is a free, public communication tool where those affected by disasters can register on the site and post messages that they are safe. Loved ones can then conduct a search on the site to view the posted messages. To access the website, please go to https://safeandwell.communityos.org/cms/index.php You can enter yourself as “Safe and Well”… Continue reading →

Tornado Assistance


FEMA and other federal agencies are currently in the middle of  conducting an assessment. This assessment and further federal action may lead to resources becoming available in the future, but nothing as of yet. They’ve provided links to various business assistance agencies that can be found at the link below, but until the fed completes the assessment phase, no one has funds.  http://www.springfieldcityhall.com/planning/171.0.html

The Administration is also working with landlords to secure temporary office space… Continue reading →

Fuel Oil Remediation Letter To Dowd Insureds Dated October 14, 2010


October 14, 2010


For homeowners and rental property owners of 1 to 4 family homes who heat with oil, Chapter 453 of the Acts of 2008 became effective July 1, 2010.  The law requires:

  • The installation of either an oil safety valve or an oil supply line with protective sleeve on the systems that do not currently have these devices.
  • Insurance companies that write homeowner policies offer… Continue reading →

Reduce Your Social Host Liquor Liability Exposure

The National Highway Traffic Safety Administration (NHTSA) estimates that nearly 13,000 people per year (about 35 per day) are killed in alcohol-impaired driving crashes.

Many of these tragic accidents happen after an inebriated person leaves a party — an event in which the host of that party might be held liable for injuries and deaths to innocent parties. Although there might be coverage under your personal auto policy or homeowners policy if you (as the host) are held legally responsible… Continue reading →

Purchase Special Insurance for Your Home-Based Business

The United States has experienced a rapid growth in home-based businesses in the last decade. The U.S. Census Bureau reports that there are now more than 11 million home-based businesses in the country, a figure that is expected to rise in the coming years.

But if you run a home business, losses associated with that business may not be covered under your homeowners policy unless special coverage endorsements are added. Some insurers sell an endorsement that covers losses associated with… Continue reading →


Many people overlook the need to properly insure their expensive jewelry, believing that it is automatically covered by their homeowners policy.

While homeowners policies do cover jewelry, this insurance usually is subject to a much lower limit than the overall contents coverage. This reduced limit is called a “sublimit,” and a typical sublimit is $1,500 for loss by theft of jewelry, watches, and precious and semiprecious stones.

If your jewelry is worth more than the sublimit in your homeowners policy,… Continue reading →


Defective electrical wiring systems cause approximately 40,000 residential fires annually, according to a United States Consumer Product Safety Commission (CPSC) study. In addition, electric cords and plugs are involved in about 7,000 fires annually. The National Electrical Safety Foundation offers numerous tips to safeguard the home against electrical fire and related losses, including the following.

* Verify that outlets and extension cords are not overloaded.

* Examine electrical cords to ensure they are not frayed, damaged, or placed under rugs… Continue reading →


Is the amount of property insurance on your home correct? What is the appropriate amount of coverage for your home? To begin with, it should be insured for at least 80 percent of its replacement cost when covered under a standard homeowners policy. Replacement cost refers to the amount necessary to repair or replace damaged building parts with items of like kind and quality. Some insurance companies even require 90 percent or higher figures when the guaranteed replacement cost option… Continue reading →


Windstorm and hurricane losses account for an inordinate share of homeowners losses every year. In particular, people on the southeastern and central eastern seaboard and the Gulf Coast face substantial loss exposures to hurricanes and tropical storms. There are, however, steps you can take concerning your home that can reduce your exposure to these losses. These include risk control measures to four critical parts of your home susceptible to high wind damage — the roof, windows, entry doors, and garage… Continue reading →

Is Your Home Fully Insured?

If you’re like most Americans, your home is your largest investment, so you know how important it is to protect it. You probably take safety precautions and have insurance that will cover you in case of a loss.

But are you fully protected? Chances are, no. You probably are running the risk of having to pay money out of pocket to rebuild your home after a loss, to replace stolen items or to settle a liability lawsuit.

Consider the following… Continue reading →

Love Your Valentine’s Day Gift? Insure It!

It’s Valentine’s Day, and thoughts of people everywhere turn to … jewelry.

About one of four Americans buys jewelry, spending $2,000 per year on average, and industry experts expect jewelry sales to grow by at least 5% annually through 2025. Those who don’t buy shiny things for Valentine’s Day may prefer other types of valuables, such as electronics, artwork, antiques, wine and furs. All totaled, Valentine’s Day gifts will tally approximately $17 billion of retail sales in 2008.

Whatever the… Continue reading →

Purchasing A Personal Umbrella Poicy Is A Wise Decision

One of the most important insurance policies you can buy is the personal umbrella policy, but many people are unaware they need one. This policy provides high limits of liability to protect you against a catastrophic liability loss. For example, a major car accident may injure numerous people or cause head injuries or death that will result in liability far in excess of the limits typically purchased in a personal auto policy. An umbrella policy sits on top of the… Continue reading →

FEMA for Kids

FEMA for Kids is presented by the U.S. Department of Homeland Security’s Federal Emergency Management Agency (FEMA). Go to http://www.fema.gov/ and click on Kids. Meet Herman the spokescrab and tag along on his search for a disaster-proof shell.  You’ll also meet Julia and Robbie, the Disaster Twins. Wherever these two go, trouble is sure to follow.  Watch brother and sister get into – and out of – all sorts of close calls, learning along the way how… Continue reading →

Purchasing A Personal Umbrella Policy Is A Wise Decision

One of the most important insurance policies you can buy is the personal umbrella policy, but many people are unaware they need one. This policy provides high limits of liability to protect you against a catastrophic liability loss. For example, a major car accident may injure numerous people or cause head injuries or death that will result in liability far in excess of the limits typically purchased in a personal auto policy. An umbrella policy sits on top of the… Continue reading →