About Us

Established in 1928, in a small office in downtown Marlborough, Downey Insurance has grown for over 70 years to its present location. Now one of the oldest Insurance Agencies in Marlborough and three generations later, we have gained the experience necessary to be one of the best full service Insurance Agencies in the area. It’s the experience you expect and need from a truly professional agency.

Professionalism
Our insurance writing methods and standards of service are unsurpassed. We feel it's important for you to work with a professional organization. We have achieved and maintained this reputation for you.

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Our Locations

Main Location
190 East Main St
Marlboro, MA 01752
Phone: 508-485-0130
Toll-Free: 888-875-7539
Fax: 508-485-6463

Vermont Location
North 80 Flat St.
Brattleboro, VT 05301
Phone: 802-254-1200
Toll-Free: 888-895-3608

New Hampshire Location
45 Summer St.
Keene, NH 03431
Phone: 603-439-2022
Toll-Free: 888-895-3658

Downey Insurance Group Blog | Great Insurance People

                                                             Great Insurance People!

Did you treat your special someone with jewelry or fine arts this Valentines Day?  If your gift is lost or stolen do you know if it is covered by your homeowners policy?  One of the most important discussions we have with homeowners here at Downey Insurance Group is the question of whether or not they should add a special schedule of insurance for their jewelry.  Here are a few reasons why you might want to consider scheduling special coverage for jewelry, art, collections, etc.

1. Most policies limit the amount of coverage for theft of jewelry. If your jewelry burns on a house fire, this is a standard cause of loss and it will be covered along with all of your other personal property that would be lost in a fire.  But if it is stolen, some policies limit theft of unscheduled jewelry to just $1,500 per item up to a maximum of $3,000 for all jewelry that is stolen. Scheduling jewelry voids/overcomes this limit.

2. Low or No deductible for covered losses.

3. Establishes a set value for the payment of the piece’s replacement cost.

4. Expands the kinds of loss covered to include mysterious disappearance, breakage and other kinds of loss. If you just can’t find your jewelry or if it drops down the sink, or if your expensive vase breaks, normal policies will not cover that. But if you schedule your jewelry or art, those kinds of losses would be covered.

Personally, I think items 1 and 4 are the best reasons to schedule certain pieces of property, especially when they are expensive. We’ve helped clients schedule computers, bikes, wine, art, jewelry, baseball cards, guns, cameras, musical instruments and many other things.

Many of the things that our clients schedule are very important to them. Insurance can’t prevent the loss, but having the peace of mind  that an important piece can be replaced is quite a comfort!  At Downey Insurance Group we know how troubling it can be to be unsure if your loss would be covered, so call us today to review your current homeowners policy.

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Farmers Watch Harsh Winter Crush Their Livelihoods

Posted by Catie Downey Potenza On February - 9 - 2011

For Northeastern farmers long used to coping with all sorts of cold-weather problems, this winter presents a new one: snow and ice that’s bringing down outbuildings, requiring costly repairs, killing livestock and destroying supplies.

Farmers in Connecticut alone have lost at least 136 barns, greenhouses, sheds and other structures as snow measured in feet, not inches, accumulated while January passed without a thaw.

“We’ve had other challenges,” said Joe Greenbacker, a partner at Brookfield Farm in Durham, where a fabric-covered “hoop house” caved in and killed a calf. “But this is the most snow I can remember on the ground and the biggest problem with roof issues I can remember.”

Losses still are being totaled by the state Agriculture Department. Commissioner Steven Reviczkysays no one can remember a more destructive winter.

The Northeast is suffering through one of its most brutal winters in years, with cities all along the seaboard reporting snow piling up at a record-setting pace. Connecticut has been especially hard-hit, with Hartford reporting 81 inches since Dec. 1, compared with an average of 46 inches, according to the National Weather Service.

A huge storm that swept in from the Plains this week proved to be a tipping point, dropping heavy ice and sopping rain that coated or soaked into snow piled on rooftops. Houses and commercial buildings crumbled, along with farm buildings, which tend be older or less sturdy.

In the Northeast’s short season for growing, winter woes are no stranger to farmers. They’re used to having to, say, turn on sprinklers to beat back a late frost on their strawberries.

“That happens every now and again,” Reviczky said. “But this is a situation where buildings are coming down. This is way outside the box of what is a normal challenge.”

No human deaths have been reported, but animals haven’t been so lucky. In Northumberland, N.Y., 25 cows were killed and 200 rescued when one side of a barn’s 400-foot-long peaked roof collapsed Wednesday night.

In Connecticut, 85,000 chickens were killed when a coop collapsed and 14 dairy cows and the Brookfield calf were killed, including seven cows lost when two buildings collapsed at a farm in Ellington, Reviczky said.

In Somers, two horses at Lindy Farm were euthanized after being trapped in rubble from an overnight barn collapse caused by heavy snowfall Jan. 27. International trotting star Moni Maker survived along with 12 other horses.

A wing that was not damaged housed 15 pregnant mares ready to deliver in a month, said John Belskie, a manager at Lindy Farm.

He could not explain why the barn, which was built in 2000, collapsed while older barns remained standing. But he noted that it could have been worse — a few hours later employees would have been inside, feeding the horses.

Besides the loss of structures and animals, the contents of many buildings — seed, fertilizer and other supplies — have been ruined, Reviczky said.

Greenbacker and other farmers have not yet begun to turn to their insurance policies to determine what’s covered and what isn’t.

“We haven’t got that far yet,” Greenbacker said. “Right now we’re in the mode of keeping things together and making sure we don’t have further problems.”

Hoop houses — typically a half-cylinder of fabric or plastic supported by a metal skeleton — are moneysaving alternatives to traditional barns and fared well in previous winters because snow melted between storms.

But they’re typically covered by material that won’t rip, transferring the weight to the structural supports, said John Bartok, a retired greenhouse and nursery engineering professor at the University of Connecticut. Engineers recommend two-by-fours propping up the skeleton in strategic spots.

A 1978 blizzard rivaled this winter’s storms, possibly bringing down more greenhouses, he said.

But Brookfield Farm, established in Connecticut in 1723, hasn’t seen anything like this winter since moving to Durham in 1983. It has weathered drought, floods, pests and other problems well known to farmers.

“Now,” Greenbacker said, “it’s a storm every few days.”

Article courtesy of Insurance Journal.

At Downey Insurance we provide insurance for many farms in New England through Co-Op Insurance of Vermont and our other markets.  If you have any questions regarding your farm policy or if you need help filing a claim please call us at 508-485-0130 or visit our website at www.Downeyinsurance.com.

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