The Dowd Agencies

09/02/2026

Renters insurance protects more than the things inside your apartment. What if a fire in another unit damages your belongings? What if an accident leaves you responsible for someone else’s property damage? Or what if a covered loss makes your apartment or rented home temporarily uninhabitable?

Our latest blog explains three important parts of renters insurance—personal property coverage, liability and loss of use—with practical examples for renters in Massachusetts, Vermont and across New England. These are protections many renters do not fully consider until they need them.

Read our latest blog to learn what renters insurance can cover and what questions to ask when reviewing your policy.

Ready to make sure your coverage fits the way you live? Schedule an appointment to customize the right coverage for your needs.

What does renters insurance cover? We offer renters insurance insights to ensure you have the coverage you need

08/31/2026

As students head back to school, roads become busier with school buses, student drivers and pedestrians.

Give yourself extra time, slow down in school zones and stay focused behind the wheel.
Safe driving helps protect everyone in our communities.

08/31/2026

🚗 Buying a vehicle out of state? Don’t forget these Massachusetts requirements!

Buying a car from a dealer outside Massachusetts can be a great option—but there are a few important steps Massachusetts drivers need to know before bringing that vehicle home.

If you’re using an out-of-state temporary registration, remember:

✅ Get Massachusetts auto insurance BEFORE driving the vehicle in Massachusetts. An out-of-state temporary plate does not replace the requirement for MA insurance.

📄 Make sure you have the necessary paperwork, including a properly assigned Certificate of Title, or confirm that the dealer will complete the Massachusetts registration on your behalf.

⏰ The 10-day deadline still applies. You must apply for a Massachusetts Certificate of Title within 10 calendar days of the purchase, even if the temporary registration is valid for longer.

💰 Sales/use tax is also due by the 20th of the month following the purchase date.

And remember, an out-of-state temporary registration is for personal use only and cannot be used for commercial purposes.

Our advice? Contact The Dowd Agencies before you take delivery. We can help make sure your Massachusetts insurance is in place so you can get behind the wheel with confidence.

📌 Save this post and share it with someone who may be buying a vehicle out of state!

08/26/2026

From RVs and campers to boats and ATVs, recreational vehicles deserve specialized protection.

Before your next adventure, make sure your coverage reflects how you use your recreational vehicles and where your travels take you.

Check out these tips for coverage for RVs, boats, jet skis and more: https://ow.ly/f0fI50Znm02.

08/20/2026

Summer weather in New England can bring heavy rain, strong winds and fallen trees with little warning.

Now is a great time to review your homeowners insurance so you understand what's covered before you ever need to file a claim.

Learn more about summer storm coverage here https://ow.ly/gwEh50ZnlZ0, and reach out if it’s time to review your coverage.

08/11/2026

When was the last time you updated your passwords? Using strong, unique passwords and enabling multi-factor authentication are two of the easiest ways to reduce your risk of cybercrime.

Whether you're protecting personal information or business accounts, a few minutes today can help prevent bigger problems tomorrow. Check out these protection tips and learn about identity theft coverage: https://ow.ly/q1g550ZnlXz.

08/06/2026

Motorcycle season isn't over yet. Whether you're heading out for a weekend ride or exploring scenic roads across New England, make sure your insurance keeps pace with how you ride. Specialized motorcycle coverage can help protect both you and your bike.

More about motorcycle insurance: https://ow.ly/JXuj50ZnlS9.

08/04/2026

Do you know how your home insurance deductible affects both your premium and what you'll pay after a claim?

Choosing the right deductible isn't just about lowering your premium. It's about finding the right balance between affordable monthly costs and what you can comfortably pay if the unexpected happens.

Before you renew your homeowners insurance or shop for a new policy, take a few minutes to read our latest blog for insight into how to choose a deductible that fits your budget.

Understanding home insurance deductibles and how they work can help you make a more informed financial decision now and avoid surprises later.

07/28/2026

A driver's license is an exciting milestone—and the perfect time to review your family's auto insurance.

Adding a teen driver may change your premium, but there are also opportunities for discounts, including good student programs and driver training. More importantly, it's a chance to make sure your coverage reflects your family's changing needs.

Learn more about protecting your new driver on our blog: https://ow.ly/8upO50ZnlR7.

Count on our experts to help you find coverage that's personalized for your family.

07/07/2026

Adding a teen driver to your policy is a big milestone, and it can bring up important questions about coverage, cost and safety.

Our latest blog shares practical teen driver insurance tips for families in New England, including how adding a teen driver may affect your premium, what discounts may be available and how parents can encourage safer habits behind the wheel.

If you are adding a teen driver to your policy, we can help you determine the coverage you need.

Read the blog and talk to our specialists.

Learn teen driver insurance tips, possible discounts and ways to manage auto insurance premiums responsibly.