Downs Agency LLC

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Downs Agency LLC We offer all lines of insurance including homeowner's insurance, auto insurance, life insurance, and business insurance.

You may think your condo association’s master policy provides all the coverage you need, but it typically focuses on the...
10/14/2026

You may think your condo association’s master policy provides all the coverage you need, but it typically focuses on the building’s exterior, structure, and shared spaces, leaving gaps that your own condo insurance can help fill.

Condo insurance can help cover:

• Interior features you’re responsible for insuring, such as flooring, cabinets, and fixtures.
• Personal belongings, such as furniture and electronics.
• Personal liability if you’re held responsible for someone’s injury or damage to their property.
• Additional living expenses if a covered loss makes your unit unlivable.

Reach out to us to review your condo insurance and discuss potential gaps in coverage.

The housing market has changed a lot over the years. For many people, buying a first home happens later in life than it ...
10/07/2026

The housing market has changed a lot over the years. For many people, buying a first home happens later in life than it did for their parents. Whether you’re renting or buying, protect the place you call home and the belongings that make it yours.

Give us a call to discuss home or renters insurance that fits your needs.

When was the last time you compared your auto insurance options? Give us a call to see if switching makes sense for you.
09/30/2026

When was the last time you compared your auto insurance options? Give us a call to see if switching makes sense for you.

How well do you know your car insurance? The answer is… C! Backing into a mailbox would typically fall under collision c...
09/23/2026

How well do you know your car insurance? The answer is…

C! Backing into a mailbox would typically fall under collision coverage. Comprehensive coverage generally helps cover theft and damage from events other than a collision, such as hail or falling branches. The exact coverage will depend on the policy.

Did you get it right?

09/16/2026

Making deliveries with your personal vehicle can change your insurance needs. Reach out to us to review your policy and make sure you have the right coverage.

Which would you choose? Did you know your home’s location can play a major role in the insurance coverage you may need? ...
09/09/2026

Which would you choose?

Did you know your home’s location can play a major role in the insurance coverage you may need? Every location comes with its own risks. For example, a mountain cabin may face a greater wildfire risk, while a beach house may be more vulnerable to tropical storms and flooding.

Give us a call to discuss your home insurance options and make sure your property is properly protected.

Getting married means building a life together, and protecting it should be part of the plan. Life insurance is one of t...
08/17/2026

Getting married means building a life together, and protecting it should be part of the plan. Life insurance is one of the most important ways to help safeguard your shared financial future and provide stability no matter what comes next. Swipe for some key life insurance considerations for newlyweds.

Starting your journey together with the right protection in place can make all the difference. Contact us today to learn more about your life insurance options and find coverage that fits your goals.

With back-to-school season top of mind and August being National Traffic Awareness Month, our team wanted to take a mome...
08/15/2026

With back-to-school season top of mind and August being National Traffic Awareness Month, our team wanted to take a moment to share some practical road safety reminders for this time of year.

The return to school brings one of the most significant changes in daily traffic patterns of the entire year. A few moments of extra caution can make an enormous difference. Swipe for a few traffic safety considerations for both motorists and parents of young children to keep in mind as back-to-school season approaches.

By staying alert, following the rules, and looking out for the most vulnerable people on our roads, we can all play a role in keeping the roads safe this school year.

Please feel free to share this with anyone in your network who might benefit from these reminders. And if you ever have questions or need assistance, we are always here to help leverage our expertise for your benefit.

Your Medicare coverage should not be something you only think about once a year. Certain life changes, plan questions, o...
08/13/2026

Your Medicare coverage should not be something you only think about once a year. Certain life changes, plan questions, or coverage issues are good reasons to reach out sooner to avoid surprises and make sure your plan still fits your needs.

Swipe to see when it is a good time to call your Medicare agent.

The best time to call your Medicare agent is before a small question becomes a bigger coverage problem. If you need help reviewing your plan, preparing for enrollment, or understanding a recent life change, contact our office.

Construction projects are complex, and insurance claims can arise from a wide range of situations. Knowing what the most...
08/12/2026

Construction projects are complex, and insurance claims can arise from a wide range of situations. Knowing what the most common claims look like and what steps can reduce the risk of facing them is one of the most important things a construction business can do to protect its projects and its bottom line.

Swipe through for a breakdown of several common construction insurance claims and practical prevention tips for each.

If you have questions about your construction coverage, don’t hesitate to give our team a call. We are here to help make sure your operation is fully protected.

Address

1301 Westen Street
Bowling Green, KY
42104

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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