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Home » Home & Auto Insurance

Home & Auto Insurance

Home & Auto Insurance in Texas

Serving Cedar Park, Austin, Houston and surrounding areas

For many people, your home and auto are your most valuable assets. Your insurance policy should keep your most significant assets insured under one roof.

Bundling your home and auto insurance policies keeps your most significant assets insured under one roof. Bundling policies through Dowd Insurance provides simultaneous coverage and saves you money.

Perks of Bundling Insurance Policies

Bundling your home and auto insurance policies could lead to premium discounts of 10 to 20 percent. Further discounts exist when you bundle auto with other policies like boat, renters, condo, and life insurance.

Auto Insurance


Protecting Drivers Across Cedar Park, Georgetown and Surrounding Areas

Texas’ major urban areas are known for both their size and their traffic congestion. If you’re a resident of greater Austin, then you probably don’t have to be reminded just how much of a hassle and a danger that driving can be. You never know when you might have an accident, but with the help of quality auto insurance benefits, you’ll be able to be prepared for anything.

Dowd Insurance is committed to helping every Texas driver get the auto insurance solutions that are guaranteed to offer ample security without breaking the bank. You can trust us to provide a listening ear, efficient policy services and fast claims resolutions whenever you need them.

Common Auto Insurance Questions 

Why is Auto Insurance Important? 
Cars cost money, and it’s only natural not to want anything to happen to them. Still, just by owning a vehicle, you face numerous liabilities, from the risks of wrecks to vehicle theft and accident lawsuits. If you ever find yourself facing a problem, then it’s car insurance that will be able to step in and help you cover the costs that might arise from these challenges. With it, you won’t face insurmountable financial problems just because of a problem that you certainly didn’t expect.

How Much Auto Insurance Do I Need? 
Auto insurance can offer numerous coverage options, and each will work in unique ways to help you receive comprehensive financial assistance in case of accidents or other hazards.

Coverage offered within most policies includes:

  • Liability Insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.

  • Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits.

  • Property Damage Liability Coverage: This pays for damage to the other party’s property.

  • Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.

  • Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.

  • Medical Payments Coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.

  • Uninsured/underinsured InsuranceThis insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.

Additional benefits offered by most carriers will help further expand your policy, including:

  • Roadside assistance

  • Rental car reimbursement

  • Custom parts coverage

  • Replacement cost vehicle coverage

  • Vanishing deductibles

  • Gap insurance

How Do I Get The Right Auto Coverage? 
Car insurance isn’t a cookie cutter policy. It’s a dynamic product that is supposed to be customizable to the needs of the policyholder. Our job is to help you get the coverage that will minimize your financial strain following any number of complicated challenges.

All drivers registered in Texas are required to carry at least the following liability coverage:

  • $30,000 Bodily Injury Liability Coverage per person

  • $60,000 Bodily Injury Liability Coverage per accident

  • $25,000 Property Damage Liability Coverage

Still, since this is only the minimum coverage you need, then you can benefit exceptionally from increasing your liability limits and augmenting them with other coverage like collision, comprehensive, un/underinsured motorist coverage and more. We’ll help you do so in a way that will not only optimize your benefits, but also ensure that your expanded coverage remains affordable.

Homeowners Insurance

Protecting Residences Across Cedar Park, Houston and surrounding areas

In the last decade, Texas has experienced massive population growth and a significant increase in real estate values, particularly in urban areas. The housing market remains competitive, and any residential property you possess needs the benefit of a quality homeowners insurance policy.

Here at Dowd Insurance, we understand the unique liabilities that every homeowner faces, which is why we know that your policy must be tailored to both your coverage needs and your budget. Our commitment to our customers is that we will do the hard work for you when it comes to researching, enrolling in and managing their coverage, both today and well into the future.

Common Home Insurance Questions 

Why Is Home Insurance Important? 
Houses cost money, and represent both an important financial and personal asset that represents security and stability for you and your family. While it’s something that you will strive to protect, you cannot eliminate the risk of something like a fire, vandalism, severe weather or other hazard damaging either the dwelling, surrounding property or possessions inside.

In situations such as these, a claim against your homeowners insurance will help you receive the assistance you need to restore your property to a secure condition without spending incalculable personal funds. It’s there to make sure you don’t drain your hard-earned savings just trying to pick up the pieces of an accident that you could not have anticipated.

Who Needs Homeowners Insurance? 
Anyone who owns a home needs home insurance. Policies can be adapted to cover properties of all shapes and sizes, including:

  • High-value homes

  • Mobile homes

  • Manufactured homes

  • Condominiums

  • Rental homes

All in all, if you don’t want to run the risk of losing out on the value of the investment you made in your property, then you can benefit from coverage. In fact, coverage is so important that most mortgage lenders will require applicants to obtain coverage. Still, regardless of any lender’s requirements, you cannot deny yourself the critical protection offered by this essential benefit.

How Much Home Insurance Do I Need? 
Since home insurance policies must be made specific to the property and policyholder in question, they will contain numerous types of coverage, all of which are designed to cover different liabilities in different ways. The coverage offered in most policies includes:

  • Structure Protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.

  • Detached Structures Coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages – will have coverage.

  • Possessions Insurance:This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.

  • Liability Coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.

  • Additional Living ExpensesCoverage: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.

Additionally, you can invest in numerous endorsements and supplementary policies that will further increase your benefits, such as:

  • Scheduled items riders

  • Replacement cost value possessions coverage

  • Umbrella liability insurance

  • Flood insurance

  • Earthquake and windstorm endorsements

  • Pet liability insurance

What Is The Different Between Replacement Cost and Actual Cash Value Coverage?
Homeowners insurance policies can offer financial protection in the event of an unexpected disaster involving your home or personal property. But how you will be reimbursed following a claim depends on the type of coverage you have. Watch this video for an outline of the two main policy valuation methods—replacement cost coverage and actual cash value coverage.

Let Us Help You Get Your Home Insurance Solutions
We understand that it might feel daunting to choose the homeowners insurance policy that is best for you. After all, there are a lot of different things you have to consider. That’s why you can rely on our agents to help you customize your plan to your advantage. By helping you tailor your deductibles and overall coverage limits, we will make sure you always have the protection that your home deserves.

Call us today at 512-331-0787 or fill out a free online quote now.

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