September 18, 2025
jdowdinsGutter Cleaning: Protecting Your Home from Water Damage This Fall
As summer storms fade into crisp Hill Country evenings, your gutters may be hiding leaves, twigs, and other debris. Out of sight, out of mind—until the first big fall rainstorm sends water spilling over the edge. Clogged gutters can send water where it doesn’t belong, like into your roof, siding, or foundation. That’s not just […]
September 16, 2025
jdowdinsUnderstanding Roof Coverage Your Home Insurance Should Include
Hey there, fellow Hill Country homeowner—got shingles, tin, or cedar shakes? Your roof is your home’s first line of defense against the blistering Texas sun, dramatic storms, hail, wind, and sudden downpours. Yet many people don’t really understand how their homeowners insurance covers roof damage. Let’s break down the important roof‐related insurance terms so you […]
September 11, 2025
jdowdinsWhy Chimney Cleaning Matters for Central Texas Homeowners
There’s something special about the shift from blazing Texas summers to cooler Hill Country nights. As the long days of summer start winding down, it’s the perfect time to think about your fall home maintenance checklist—and yes, that includes chimney cleaning. Whether you’re in San Marcos, New Braunfels, or tucked away in the backroads of […]
September 9, 2025
jdowdinsWhy Scheduling High-Value Items on Your Homeowners Policy Matters
When you think about your homeowners insurance, you probably imagine the big stuff: your house, furniture, electronics, maybe even your beloved backyard smoker. But what about the small things that pack a big punch in value—like your grandmother’s diamond ring, that custom guitar you saved up for, or a designer handbag collection? Here’s the catch: […]
September 4, 2025
jdowdinsManagement Liability Insurance 101: A Must-Have for Business Leaders
Running a company around the Central Texas Hill Country means juggling ranch meetings, small-town charm, and plenty of responsibility. But there’s one thing you can’t let sit on the back burner: Management Liability Insurance. In today’s litigious and regulation-heavy times, organizations—be they public, private, or nonprofit—face steep risks. From shareholder scrutiny to employee lawsuits, these […]
September 2, 2025
jdowdinsHill Country Homeowner’s Guide to Staying Weather-Ready
Hey there, Hill Country homeowners! Whether you’re nestled among the cypress-lined hills near Kerrville or soaking up the relaxed vibe around Blanco, we’ve got a simple — yet savvy — guide to help you rest easy when Mother Nature decides to stir things up. Check Your Coverage — Seriously Before a twister—or even a wild […]
August 28, 2025
jdowdinsKeep the Flames Where They Belong: Gas Grill Safety Tips for Central Texas Homeowners
When Labor Day weekend rolls around in Central Texas, it’s practically a given that grills will be fired up across the Hill Country. Nothing beats the smell of burgers, brisket, or kabobs sizzling over the flames. But before you invite friends over and light that first match, it’s worth taking a moment to make sure […]
August 26, 2025
jdowdinsRemote Work & Workers’ Comp—What Central Texas Businesses Need to Know
Working from home might sound cozy, but it comes with its own set of risks—and for employers, that means potential workers’ compensation claims. The COVID-19 pandemic forever changed how we work. For many Central Texas businesses, remote and hybrid schedules are now the norm. While this shift offers flexibility, it also introduces new challenges in […]
August 21, 2025
jdowdinsDon’t Let Disinformation Leave You Unprotected—How You Can Stay Smart About Insurance
In today’s fast-moving digital world, it’s easier than ever to come across misleading or even false information about insurance. For families and businesses here in Central Texas and the Hill Country, understanding what’s accurate—and what’s not—can make all the difference when it comes to protecting your financial security. At Dowd Insurance Agency, we believe staying […]
August 19, 2025
jdowdinsWhy Hill Country Business Leaders Can’t Ignore Private Company D&O Insurance
Business leaders across the Hill Country face a wide range of responsibilities and challenges in today’s fast-moving Texas economy. One area often overlooked is Directors & Officers (D&O) Insurance, which many assume is only relevant for large, publicly traded corporations. In reality, private companies of all sizes can face costly claims tied to management decisions, […]