Skip to the content

Your Local Saint James Independent Insurance Agency

Dowling Knipfing Klein Agency specializes in auto insurance, home insurance, life insurance, business insurance, and aviation insurance.

Dowling Knipfing Klein Agency has been servicing our clients as an independent agency for more than 50 years.

We are a full-service insurance agency providing a broad spectrum of appropriate coverages at competitive prices for both business insurance and personal insurance needs.

Our staff of experienced account executives will promptly provide you with quotations and explanations of the technical aspects of appropriate coverage.

We represent a vast number of insurance companies allowing us to choose the best company for each need. Service to our clients is our first priority.

Read what satisfied customers have said about Dowling Knipfing Klein Agency.
See All Reviews
See All ReviewsSee All Reviews

Find Out How Much You Can Save Today

  • This field is for validation purposes and should be left unchanged.

Need Auto Insurance?

Get A Quote

Recent News & Updates

Halloween Safety: What Your Auto and Homeowners Insurance Should Cover This Season

Posted: October 16, 2026

Halloween is one of the busiest nights of the year for pedestrians, with trick-or-treaters of all ages moving through neighborhoods after dark. Between excited kids darting between houses and drivers navigating dimly lit streets, it's a night that calls for extra caution, both behind the wheel and at home. Safer Driving on Halloween Night Drivers can help reduce risk by slowing down in residential areas,...

Deductibles, Copays, and Coinsurance: Understanding Your Health Insurance Costs

Posted: October 10, 2026

Health insurance comes with its own vocabulary, and terms like deductible, copay, and coinsurance are often used without much explanation. Understanding what each one means, and how they work together, can make it easier to estimate your actual costs and compare plans more confidently. What Is a Deductible? A deductible is the amount you generally pay for covered healthcare services before your insurance plan starts...

Life Insurance Riders 101: Customizing Your Policy to Fit Your Needs

Posted: October 7, 2026

Life insurance policies aren't always one-size-fits-all. Many insurers offer optional add-ons, known as riders, that let policyholders adjust their coverage to better match their personal circumstances. Understanding how riders work can help you have a more informed conversation with a licensed agent about your own policy. What Is a Life Insurance Rider? A rider is an optional provision added to a life insurance policy, usually...

Cybersecurity Awareness Month: Does Your Business Need Cyber Liability Insurance?

Posted: October 4, 2026

Every October, the Cybersecurity and Infrastructure Security Agency (CISA) leads Cybersecurity Awareness Month, a nationwide effort to help individuals and organizations better protect themselves online. For small and mid-sized businesses, it's also a timely reminder to think about how a cyberattack or data breach could affect operations, and whether cyber liability insurance has a role to play in your risk management plan. Why Cyber Risk...

Insurance products are offered through the following insurers: ACE (Philadelphia, PA); AIG - American International Group (Chicago, IL); Adirondack Insurance Exchange (Buffalo, NY); Aetna (Hartford, CT); AmTrust Insurance (New York, NY); Cigna (Bloomfield, CT); CNA (Chicago, IL); CNA Surety (Sioux Falls, SD); Chubb Group (Philadelphia, PA); Dongbu Insurance (Anaheim, CA); EmblemHealth (New York, NY); Empire BlueCross BlueShield (New York, NY); Great American Insurance Company (Cincinnati, OH); Guard Insurance Group (Baltimore, MD); ING Direct (St. Cloud, AL); Interboro Insurance (Mineola, NY); Lexington Insurance (Boston, MA); Liberty Mutual Insurance (Boston, MA); Lloyds of London (New York, NY); Markel (Glen Allen, VA); Merchants Insurance Group (Buffalo, NY); Narragansett Bay Insurance Company (Johnston, RI); Nautilus Insurance (Scottsdale, AZ); Ocean Harbor Casualty Insurance (Huntington, NY); Old Republic Surety (Milwaukee, WI); Oxford Health (UnitedHealthcare) (Trumbull, CT); Peerless Insurance (Keene, NH); Philadelphia Indemnity Insurance Company (Bala Cynwyd, PA); Plymouth Rock Assurance (Boston, MA); The Progressive Corporation (Mayfield Village, OH); Rutgers Insurance (Cherry Hill, NJ); Scottsdale Insurance (Scottsdale, AZ); ShelterPoint (Great Neck, NY); The Hartford Insurance Group, Inc. (Hartford, CT); Tower Group Companies (New York, NY); The Travelers Indemnity Company (Hartford, CT); United States Liability Insurance (Wayne, PA); Utica First Insurance Company (Oriskany, NY); Utica National Insurance Group (New Hartford, NY); and other unaffiliated insurers.

Insurance services are provided by an independent insurance agency. Dowling Knipfing Klein Agency and its producers are licensed in the states where services are offered. License numbers are available upon request. Availability, eligibility, and coverages may vary by state. Not all products are available in all states.