January 8, 2026
jdowdinsUnderstanding Commercial Property Insurance: Protecting the Building Blocks of Your Business
Running a business in Central Texas—whether you’re in Austin, Georgetown, Cedar Park, New Braunfels, San Marcos, or San Antonio—takes grit, planning, and a whole lot of moving parts. From your building and equipment to the inventory on your shelves, you’ve invested serious time and money into what makes your business run. That’s where commercial property […]
January 6, 2026
jdowdinsDo Credit Scores Affect Auto Insurance Rates?
If you’ve ever wondered why two drivers with similar cars and clean driving records can pay very different auto insurance premiums, here’s a not-so-obvious factor: credit. Yep—your credit history can play a role in what you pay for car insurance here in Texas. Let’s break it down in plain English so you know what actually […]
December 30, 2025
jdowdins5 Health & Safety Practices Every Remote Worker Should Know
Whether you’re tapping away at your laptop in Cedar Park or wrapping up a Zoom call overlooking the San Marcos River, working from home comes with perks — no commute, flexible hours, comfy pants — but also responsibilities you might not think about until something goes sideways. Let’s talk about five practical health and safety […]
December 23, 2025
jdowdinsHow Businesses Can Prevent Premises Liability Claims (and Save Money!)
Running a business in Central Texas — whether that’s a café in Fredericksburg, a shop in Kerrville, or an office in San Antonio — you know this area brings sunshine, smiles, and potential hazards. When customers or visitors get injured on your property, it can quickly turn into a premises liability claim — one that […]
December 18, 2025
jdowdinsSafe Toys, Happy Holidays: Tips for Safe Toys & Gifts Month
December in Central Texas means twinkling lights, blue-sky “winter,” and a whole lot of gift-giving. But before you wrap up that shiny new toy for the kids in Georgetown, Round Rock, Cedar Park, Austin, New Braunfels, San Marcos, or San Antonio, let’s talk safety. December is Safe Toys and Gifts Month, a national reminder to […]
December 16, 2025
jdowdinsWorkers’ Compensation Benefits: What Every Business Owner Should Know
Workers’ compensation isn’t just insurer jargon — it’s peace of mind for your team and protection for your business. Whether you run a construction crew in Fredericksburg, a brewery in Wimberley, or a boutique shop in New Braunfels, understanding workers’ compensation benefits helps you support your employees — and keep your business running strong. That’s […]
December 11, 2025
jdowdinsDecember Is National Impaired Driving Prevention Month: What Drivers Need to Know
If you’ve spent more than five minutes driving through the Hill Country in December, you already know—traffic gets a little wilder than usual. Holiday parties, end-of-year celebrations, family gatherings… it’s a festive season, but it also ramps up the number of impaired drivers on our roads. That’s exactly why December is recognized as National Impaired […]
December 9, 2025
jdowdins5 Smart Ways to Cut Winter Heating Bills
When winter finally makes its way to the Hill Country—usually after teasing us with 85° days in December—it can still pack a chilly punch. And while we may not be shoveling snow like our northern neighbors, those cold snaps can send your heating bill climbing faster than a cedar pollen count in January. At Dowd […]
December 4, 2025
jdowdinsHow Home Renovations Can Shake Up Your Insurance
If you’ve lived in the Central Texas Hill Country for any amount of time, you’ve probably caught the renovation bug at least once. Maybe you’re adding a guest suite for when the in-laws visit (or stay too long…), finally putting in that dream pool to beat the summer heat, or upgrading your roof after yet […]
December 2, 2025
jdowdinsLighting Up the Holidays Safely: What Homeowners Should Know
There’s nothing quite like the glow of holiday lights reflecting off a Hill Country sunset. Whether you live in Georgetown, Round Rock, Cedar Park, New Braunfels, San Marcos, or anywhere in between, decorating your home is one of the most joyful traditions of the season. From twinkling rooflines to sparkling trees, holiday décor helps turn […]