Homeowners Archives - The Dowd Agencies

Couple reviewing a moving checklist and insurance documents while preparing to move to a new state

Moving to a New State? Your Pre-Move Insurance Checklist

Moving can affect your auto, homeowners or renters insurance. Review these important insurance considerations before relocating to a new state.

Understanding Home Insurance Deductibles: How to Choose the Best Option for Your Budget

When shopping for homeowners insurance, choosing your deductible plays a significant role in both your premium and what you’ll pay if you ever need to file a claim.

Insurance Considerations for Vacation Homes and Second Properties

While a vacation home offers relaxation and family memories, it also brings unique insurance considerations that differ from your primary residence.

Flood, Earthquake and Other Peril Coverage: What Your Homeowners Policy Typically Excludes

Standard homeowners policies generally cover many sudden and accidental losses, but some of the most financially disruptive events are often excluded or only covered in limited ways.

Personal Identity Theft: Coverage, Costs and Protection Tips

Many carriers offer identity theft coverage as an endorsement or optional add-on, designed to help with covered recovery costs such as legal fees, lost wages and administrative expenses related to personal identity theft.

Smart Home Insurance Discounts: Which Devices Help and Which Don’t?

With options ranging from smart thermostats to whole home security systems, can smart home devices help lower your homeowners insurance premiums?

Copy of an insurance policy with a magnifying glass and $100 bill

Year-End Insurance Checkup: Preparing for the New Year

Insurance should never be a “set it and forget it” decision. Life changes—such as buying a new home, adding a vehicle or hiring employees—can all impact your insurance needs.

An Ounce of Prevention: Prep Your Home and Car for Winter Safety

We understand how winter weather impacts our region, and we believe in the power of prevention. Here, we offer a few proactive steps to help you reduce risks and avoid unnecessary disruptions.