Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Homeowners Insurance Information
Greater Austin Area Homeowners Insurance
Protecting Residences Across Cedar Park, Austin 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.
Call us at 512-331-0787 or request your free policy quote online now.
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:
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 Expenses Coverage: 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:
Replacement cost value possessions coverage
Umbrella liability 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.