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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

Why a Basic Home Insurance Policy Isn’t Always Enough

Posted: February 16, 2026

While a typical homeowners insurance policy offers a reliable starting point, it’s important to remember that “standard” only goes so far. Since every home, lifestyle, and risk is different, you might discover coverage gaps exactly when you need your policy the most. The Most Common Coverage Shortfalls Many homeowners assume any water damage is covered. In reality, coverage often depends on whether the event was...

How A Healthy Heart Starts With The Right Health Insurance

Posted: February 10, 2026

February is American Heart Month, and it’s a good reminder that heart health is both a lifestyle issue and a planning issue. Heart disease remains a leading cause of death in the United States, and prevention often depends on access to routine care, screening, prescriptions, and follow-up. The Coverage Features That Support Heart Health Heart health rarely hinges on one appointment. It usually depends on...

Risk Factors of Living Without Life Insurance

Posted: February 7, 2026

Life insurance often gets pushed down the road until a health scare, a new baby, or a sudden loss forces the question fast. Going without coverage is not only a risk tied to death. It is a risk to the people and obligations that keep moving after you are gone. The Financial Risk Can Be Bigger Than Expected Coverage gaps remain common. In the 2025...

A Homeowner’s Guide to Dealing with Ice Dams

Posted: February 2, 2026

Ice dams form when snow on a roof melts, runs down to colder eaves, and refreezes into a ridge that blocks drainage. Over repeated melt-freeze cycles, water can back up under shingles and leak into ceilings, walls, insulation, and belongings. Why Ice Dams Happen Most ice dam problems start with uneven roof temperatures. Heat escaping into the attic warms the upper roof surface above 32°F...

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.