Business Details
20 Years
experience
Your Trusted Independent Insurance Agency in New Windsor, NY
JMD Insurance Agency has served as the Hudson Valley's premier independent insurance provider since 2006, offering tailored protection solutions for vehicles, homes, businesses, and families across New York State. Our independent agency model empowers clients with access to top national carriers while maintaining personalized guidance from local agents who understand community-specific needs. With over 15 years of industry experience, founder Peggy Dwyer established the agency on principles of unbiased advice and comprehensive coverage analysis, ensuring clients receive optimal policies at competitive rates. Our team of licensed professionals specializes in evaluating individual risk profiles, comparing multiple carrier options, and implementing cost-saving strategies like bundled policies and safety discounts.We maintain deep expertise in navigating complex insurance requirements for personal and commercial clients, including specialized coverage for recreational vehicles, rental properties, and high-risk driving records. Our commitment to community extends beyond insurance through financial education initiatives and proactive policy reviews that help clients avoid overpayment. This combination of national carrier access, local market knowledge, and personalized service has driven consistent growth through client referrals and word-of-mouth trust.
Services
Auto Insurance
Homeowners Insurance
Commercial Insurance
Life Insurance
Motorcycle Insurance
Landlord Insurance
Workers Compensation
Renter's Insurance
Defensive Driving Courses
Policy Review Services
Details
- Year established: 2006
Highlights and features
- We offer independent agency access to 15+ top national insurance carriers
- Our local agents provide personalized policy analysis for New York residents
- We guarantee free policy reviews to prevent overpayment on existing coverage
- We implement specialized discount strategies for safe drivers and home improvements
- Our team maintains expertise in high-risk insurance solutions and complex claims
What people say
Able to write my homeowners policy
Found me a cheaper plan
Most cost effective way
Affordable plan despite lapse
Fair price quickly
Services
Auto Insurance
We provide comprehensive auto insurance solutions covering liability, collision, and comprehensive protection for standard vehicles, motorcycles, ATVs, and snowmobiles. Our agents compare multiple carriers to find appropriate coverage based on driving records, vehicle types, and budget considerations. Policyholders benefit from accident forgiveness programs, multi-policy discounts, and specialized guidance for young drivers.
Homeowners Insurance
Our homeowners insurance protects single-family homes, multi-family properties, condos, and rental units against common risks while offering customizable coverage options. We evaluate property characteristics, location risks, and safety features to determine optimal coverage levels. Clients receive guidance on flood insurance, umbrella policies, and premium reduction strategies through security system implementation.
Commercial Insurance
We offer tailored commercial insurance packages including general liability, property coverage, workers compensation, and commercial auto policies. Our business insurance solutions address specific industry risks for offices, retail spaces, service providers, and contractors. Policyholders gain access to risk management strategies and bundled coverage options that protect both physical assets and operational continuity.
Life Insurance
We provide term and permanent life insurance solutions designed to protect dependents and build financial security. Our agents explain policy options including death benefits, cash value accumulation, and conversion privileges from term to permanent coverage. Clients receive personalized recommendations based on family needs, financial goals, and budget parameters.
Policy Review Services
Our free policy review service compares existing insurance coverage against multiple carrier options to identify potential savings. We analyze declarations pages to ensure appropriate coverage levels while seeking premium reductions through available discounts and policy restructuring. This service helps clients avoid overpayment while maintaining necessary protection across all insurance lines.
People
Peggy Dwyer
President & Founder
Peggy Dwyer founded JMD Insurance Agency in 2006 after 15 years in financial services at Smith Barney. A Cornwall native, she leverages deep community knowledge and carrier expertise to guide clients toward optimal insurance solutions while leading pro bono financial education initiatives.
Amanda Campbell
Licensed Sales Associate
Amanda Campbell provides tailored insurance solutions with two years of experience in New York's diverse insurance market. Raised in Ulster County, she combines local market understanding with cost-conscious strategies to meet clients' unique coverage needs.
Karina Cardoso
Licensed Sales Associate
Bilingual insurance professional Karina Cardoso brings six years of customer service experience from finance, healthcare, and retail sectors. Raised in Orange County, she effectively addresses diverse client needs through clear communication and personalized policy recommendations.
Wendy Buendia
Sales Assistant
Wendy Buendia supports clients with bilingual insurance assistance after 20 years in Orange County. Her extensive customer service background enables effective communication of policy details and coverage options to diverse clientele.
Jennifer Murray
Customer Service Associate
Bilingual customer service associate Jennifer Murray combines community involvement with insurance expertise. She provides clear explanations of policy terms and coverage options while maintaining strong client relationships through responsive support.
Questions
What types of insurance does JMD offer?
We provide auto, homeowners, commercial, life, motorcycle, ATV, snowmobile, landlord, renter's, and workers compensation insurance policies across New York State.
How can I save money on insurance?
Combine policies for multi-line discounts, complete defensive driving courses for 10% off auto insurance, and implement safety features qualifying for premium reductions.
Do you serve all of New York State?
Yes, we provide insurance services throughout New York State with specialized knowledge of local regulations and risk factors in Orange County and surrounding areas.
Can you help with high-risk insurance needs?
Our agents specialize in finding coverage for challenging cases including prior claims, driving violations, and unique property risks through our multiple carrier partnerships.
What is your policy review service?
We offer free policy analysis comparing your current coverage against 15+ carriers to identify potential savings while maintaining appropriate protection levels.
Are your agents licensed professionals?
Yes, our team includes licensed insurance professionals with expertise in personal, commercial, and specialty insurance lines serving Hudson Valley residents since 2006.
