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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.

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Recent News & Updates

Understanding Health Insurance Networks

Navigating health insurance networks can be tricky but understanding the terms “in-network” and “out-of-network” is key to managing your healthcare costs. Reviewing what these terms mean and how they impact your healthcare costs can be helpful. What Does “In-Network” Mean? A healthcare provider is “in-network” when they have a contractual agreement with your insurance plan to provide services at a discounted rate. These providers agree...

Options to Consider When Your Term Life Insurance Expires

Life insurance provides invaluable protection for your loved ones, but what happens when your term life insurance policy reaches the end of its coverage period? If you’re approaching expiration, you still have options to maintain financial security for your family. Understanding these choices can help you make the best decision for your circumstances. Renew Your Existing Term Policy Many insurance providers allow policyholders to renew...

When Should Small Business Owners Switch Insurance Companies?

Managing a small business comes with endless challenges—and great rewards. One of the main issues is keeping your overhead as low as possible. The cost of your business insurance should be reviewed yearly—savings could be possible. If you’ve been with the same insurance provider for years, you might assume you’re getting the best deal—but are you? Switching insurance companies can improve coverage, lower costs, and...

The Hidden Costs of Skipping Insurance

This April is the 22nd anniversary of Financial Literacy Month, a time that inspires us to secure our future with sound financial planning, budgeting, saving, and investing. It’s an excellent opportunity to improve your financial education and be more secure in your goals. For example, many people are unaware of the hidden costs of skipping insurance, making them financially vulnerable. Why Consider the Cost of...