Insurance Broker and owner of Emma Lynn Dowd Insurance Agency, Emma Dowd announced that starting on May 1, 2025 the agency will produce videos and publish them on the agencies new YouTube channel.
One of the easiest forms of identity theft come from emails and texts that look so authentic that we panic and reply; which is exactly what the sender wanted you to do. However, once you entered your information, the damage is done. The trick is not to fall for these scams.
What you see here is an example of what these text messages look like. This is a screenshot from a text I received on my phone. Lets dissect this text to see what makes it so dangerous.
Let’s discuss what Insurance Identity Theft is. Insurance identity theft occurs when an identity thief uses your stolen personal information to obtain a new insurance policy or use of your current policy. Once they have gained access to insurance in your name, they can receive medical services under your name, making you the unlucky recipient of any future bills that they incur. They can also cash out your life insurance policy getting all the premiums paid into it closing the policy.
Emma Dowd, the Agent in Charge of Emma Lynn Dowd Insurance Agency announced Saturday that she has secured a contract with United Health Care for Medicare, Medicare Supplements, and Medicare Advantage Programs.
For years now, Florida has been a no fault state when it comes to car insurance. This meant that a driver must carry a state minimum for bodily injury only; collision and property coverage was optional. That may change however as the Florida House of Representatives voted to approve the repeal along with other property and casualty rules.
Emma Dowd the Agent in Charge of the Emma Lynn Dowd Insurance Agency announced today that they are an official producer for Aflac which offers supplemental benefits to their policy holders.
Agent in Charge Emma Dowd announced today that the Emma Lynn Dowd Insurance Agency has officially been contracted to offer clients Medicare coverage for both fully retired and individuals still working that are age 65.
FOR IMMEDIATE RELEASE
Travel Insurance Now Offered At Emma Lynn Dowd Insurance Agency
(New Port Richey, FL – 1/13/25) – Emma Dowd, the CEO of Emma Lynn Dowd Insurance Agency, just contracted with Allianz Insurance to offer their customers travel insurance; further securing her goal to be a one stop shop for everyone’s insurance needs in the state of Florida.
The state of Florida is a central hub for travelers, the economy here is based on tourism. We host major theme parks which include Universal Studios, Sea Worl and Walt Disney World in Orlando, Legoland in Winter Haven and Busch Gardens/Adventure Island in Tampa. We have some of the most sought after beaches on both coasts of Florida. Miami is a vacation hotspot where most of the A list celebrities and designers party and not to mention multiple sports teams like the Buccaneers, Lighting and Rays in Tampa. The Jaguars in Jacksonville. The Dolphins, Heat and Panthers in Miami and the Magic in Orlando. We also have some of the most popular universities in the US. Those are just some attractions that bring people to Florida. This state also has some of the biggest ports for cruises in the country.
With so many options it was a clear choice to offer travel insurance to our customers says Dowd. Unlike life and other types of insurance where it can only be sold by this agency in the state of Florida, as a rep for Allianz and being licensed in the state of Florida we can sell this insurance in all states except New York and Hawaii. This truly is a win/win for the newly formed agency.
Dowd will continue to search for more options and contract with companies that offer great products that she believes in.
Mortgage Insurance is a “concept” that is designed to pay off the mortgage upon one’s death and to pay off the mortgage should one become disabled; but since it’s a concept we can add things to the policy to make it “more dynamic” for more functionality.
When you get your home you get PMI Insurance mandated into your mortgage payment. PMI is mortgage insurance but its paid for by the mortgage holder to protect the lender. This means if something happened to you, the benefit would be paid to the mortgage lender at the current amount owed. Essentially PMI is decreasing term insurance so as the years go on the benefit drops because the bank can’t make a gain on the loan except what was in the mortgage contract. PMI also cancels automatically after one accumulates 20% equity in the house as that becomes the security for the loan.
As someone buys a home, they often establish a will, because your home creates an estate. An estate is a combination of one’s home, possessions, and investments that upon one’s death will need to be given to surviving people that the deceased individual wanted to have things. When someone inherits the home, they are the rightful owners by gift, but that doesn’t mean it’s free and clear. That individual named as the heir to that home must continue to make the mortgage payments in order to keep the house unless it’s paid off free and clear. This could happen if they also get a large settlement from one’s insurance policy or investments but that is a big IF.
That is where Mortgage Insurance comes in. We can cover the home for the term of loan (up to 30 years) for the value you purchased it for. The beneficiary of the policy would be a family member or friend, should you pass away for them to pay off the mortgage and live in the home. Should you pass away and they don’t want the home they can take the mortgage insurance benefits and keep them, sell the home and make a lot of money. The benefit doesn’t decrease over time so as you pay off your home there is more money free’d up to have for the beneficiary. We can add a rider that allows the premium to be paid up upon your disability and you can cash out that plan to pay the mortgage off. The concept is endless.
(New Port Richey, FL – 12/18/24) – Emma Dowd, an independent insurance agent in the State of Florida has taken one more step closer to becoming an active Insurance Agency in the State of Florida by creating her new company name “Emma Lynn Dowd Insurance” which is a D.B.A with Emma Lynn Dowd Enterprise, LLC. The new name brought a new logo to identify her company.
This is a monumental step as the 1st of January 2025 quickly approaches, the date that her parent company officially becomes an active business in the State of Florida. The plan is to launch the new business the first of the year, then apply to the state to become an licensed agency. This plan is essential in her long term plan as it will allow her to bring in agents that have various insurance licenses to offer a broader line of products.
The new logo embodies Emma’s artistic side and her feminine nature while also creating a minimalist style logo. Ones logo is one of the most important branding items a company can have, so it was important to embody Emma’s background and personality.

Office Hours
Monday - 8:00 AM to 5:00 PM
Tuesday - 8:00 AM to 5:00 PM
Wednesday - 8:00 AM to 5:00 PM
Thursday - 8:00 AM to 5:00 PM
Friday - 8:00 AM to 5:00 PM
Contact & Social Media
Emma Lynn Dowd Enterprise, LLC.
d.b.a Emma Lynn Dowd Insurance
Phone: (800) 587 - 6136
E Mail: emmadowd@emmalynndowd.com