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, […]
August 13, 2025
jdowdinsBoat Insurance Basics: What Every Central Texas Boater Needs to Know
If you’re cruising the beautiful lakes of Central Texas or exploring the scenic Hill Country waterways, having boat insurance is a smart move to protect your investment and your peace of mind. Whether you’re a weekend angler or a full-time lake lover, understanding boat insurance basics can save you headaches down the line. What Is […]
August 11, 2025
jdowdinsLife Insurance for Millennials: A Smart Move for Your Future in Central Texas
For many young adults in Central Texas, life insurance isn’t the first thing that comes to mind when planning for the future. Between paying off student loans, saving for a home in the Hill Country, and building a career, it can feel like something to think about “later.” But the truth is, starting a life […]
August 6, 2025
jdowdinsHitting the Road Alone? Here’s How to Stay Safe Behind the Wheel
5 Steps for Staying Safe While Driving Solo Cruising solo through the winding backroads of the Texas Hill Country can be peaceful—but it can also pose some real safety risks if you’re not prepared. Whether you’re heading to Austin for a work trip or exploring the scenic routes near Fredericksburg, solo driving demands a bit […]
August 4, 2025
jdowdinsWhy Texas College Students Need Renters Insurance
As move-in day approaches and your college student gets ready to head back to campus—or starts their college journey for the first time—there’s more on the to-do list than just buying dorm supplies and textbooks. One thing that often gets overlooked? Renters insurance. Whether your student is moving into a dorm at Texas State, renting […]
August 1, 2025
jdowdinsHome Insurance vs. Flood Insurance: What Central Texas Homeowners Need to Know
When It Rains, It Pours: Know If Your Policy Can Weather the Storm If you’re a homeowner in Central Texas—especially in the Hill Country—you’ve likely seen your fair share of heavy storms, rising creeks, and flash flood warnings. With recent flooding across the region, many homeowners are asking a smart question: Does my home insurance […]
July 30, 2025
jdowdinsIs Your Small Business Underinsured?
Running a small business in Central Texas isn’t just about chasing dreams and keeping customers happy—it’s also about managing risk. And one of the sneakiest risks out there? Being underinsured. Underinsurance happens when your business coverage doesn’t match your actual risk exposure. Whether it’s due to rapid growth, rising property values, or outdated policies, many […]