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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.
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Recent News & Updates

New Year Business Insurance Checklist

Posted: January 19, 2026

Is Your Company Really Protected? A new year is the perfect time for businesses to run a quick “audit” of their insurance program. Over the past twelve months, your company may have opened a new location, hired more staff, bought equipment, or added services. If your coverage has not kept pace, one loss could disrupt everything you have built. Start With An Annual Coverage Audit...

Common Insurance Myths Debunked

Posted: January 16, 2026

What Your Friend on Social Media Got Wrong! Everyone has that friend who becomes an instant expert after watching a short video or reading a headline. Insurance myths travel fast, and they can cost real money when a claim happens. Clearing up a few of the most common myths helps you choose better protection and avoid unpleasant surprises. Myth #1: Red Cars Cost More to...

How To Keep Your Healthy New Year’s Resolutions

Posted: January 10, 2026

How To Keep Your Healthy New Year’s Resolutions Every January, goals like eating better, moving more, and managing stress feel energizing. The difficult part is turning those resolutions into habits that last past the first few weeks. Your health insurance plan can quietly support that effort by lowering costs and making healthy choices more convenient. Turn Resolutions Into Preventive Care Visits Most health plans, including...

Is Whole Life Insurance a Good Investment in 2026?

Posted: January 7, 2026

Market headlines can swing from record highs to recession fears in a single week. In that environment, many people look for stable, long-term options that protect their family and build value over time. Whole life insurance is often marketed as a way to do both, but it is important to understand how it really works before treating it as an investment. How Whole Life Insurance...

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 (Warren, NJ); 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); Safeco Insurance Company of America (Boston, MA); 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.