May 19, 2025
jdowdinsHow Do Insurers Determine Your Car’s Value After a Total Loss?
Dowd Insurance Agency | Serving Central Texas Drivers If your car’s been in a serious wreck, your insurer might declare it a total loss—but what does that really mean? Let’s break it down simply for Central Texas drivers. 🚗 What Is a Total Loss? In Texas, a car is considered a total loss when the […]
May 14, 2025
jdowdinsMay Is Motorcycle Safety Month: What Central Texans Need to Know
Here in Central Texas, May marks the start of warmer rides—and Motorcycle Safety Month. Whether you’re cruising through the Hill Country on two wheels or driving your daily commute in a pickup, it’s the perfect time to talk about sharing the road safely. According to the National Highway Traffic Safety Administration (NHTSA), motorcyclists are involved […]
May 12, 2025
jdowdinsWildfire Preparedness in Central Texas: Protecting Your Home and Family
Wildfires are a growing concern in Central Texas, with dry conditions and high temperatures increasing the risk. As a homeowner, taking proactive steps can make all the difference in safeguarding your property and loved ones. May Is National Wildfire Preparedness Month: Wildfire Preparedness Starts at Home Protecting your home from wildfire begins with small, strategic […]
May 7, 2025
jdowdins50% of ATVs Are Uninsured – Why That’s a Risk You Shouldn’t Take
ATVs are a big part of life in Central Texas—whether you’re tearing up trails in Hill Country, hunting on a ranch, or just enjoying some off-road fun with the family. But here’s a surprising fact: about 50% of all ATVs are uninsured. That’s a huge number when you consider the risk involved. And no, your […]
May 5, 2025
jdowdins9 Reasons To Get A Home Generator
Consider These Reasons to Get a Home Generator Original Post By Travelers Power outages can be a major inconvenience. They can also create problems for you, your family and your home as you shift into “emergency mode” to prevent your food from spoiling, to safely navigate your home in the dark, or simply to keep […]
May 1, 2025
jdowdinsWhy Nonprofits in Central Texas Need D&O Insurance—And How It Protects Your Mission
Running a nonprofit is all about impact—making a difference in your community, supporting causes you care about, and serving others. But behind every great mission is a board of directors helping steer the ship. And with leadership comes responsibility—and risk. That’s where Directors and Officers (D&O) insurance comes in. What Is D&O Insurance for Nonprofits? […]
April 28, 2025
jdowdinsHow to Cut Workers’ Comp Costs Without Cutting Corners: 5 Pro Tips for Central Texas Business Owners
If you’re a business owner in Central Texas, you know workers’ comp insurance is a necessary part of protecting your team—and your bottom line. But when premiums start creeping up, it’s time to get proactive. The good news? Reducing your workers’ compensation costs doesn’t mean just hoping for fewer accidents. It starts with a smart, […]
April 23, 2025
jdowdinsBoat Insurance 101: Why Central Texas Boaters Need It and What It Actually Covers
As the sun starts shining a little brighter and the lakes around Central Texas—like Lake Travis, Belton Lake, and Lake Buchanan—begin filling up with eager boaters, it’s officially boating season. But before you launch your bass boat, pontoon, or jet ski, there’s one thing you don’t want to forget: boat insurance. If you’re like many […]
April 21, 2025
jdowdinsWhy Do Small Businesses Need Cyber Insurance?
Businesses across industry lines have become more reliant on technology to conduct their operations. However, any digital presence—no matter how small—presents a cybersecurity risk. Whether a business utilizes e-commerce, stores sensitive data or sends emails, it could be vulnerable to cyberattacks. These incidents can result in large-scale financial losses, regulatory fines and reputational damage. While […]
April 16, 2025
jdowdinsHow to Protect Your Home From Mold
A common expression references “April showers,” exemplifying the frequency of precipitation and moisture inherent during this time of year. However, while these conditions may help promote blooming flowers and budding trees, they can also promote unwelcome mold growth in your home. Mold can produce allergens, irritants and even toxic substances. Prevent mold growth in your […]