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Home, Auto and Business Insurance in San Marcos, TX

Insurance with Hill Country Roots

San Marcos isn’t just a college town—it’s a community with a vibrant mix of families, students, and local businesses, all set against the backdrop of the beautiful Hill Country and the crystal-clear San Marcos River. Whether you’re tubing the river, running a small business downtown, or buying your first home near campus, Dowd Insurance Agency is here to protect what matters most.

With more than 30 years of experience, Tom Dowd and our dedicated team provide personalized insurance solutions for San Marcos residents, combining big-name carriers with local, neighborly service.


Insurance Coverage Designed for San Marcos

At Dowd Insurance, we know every client has unique needs. That’s why we offer a wide range of policies, including:

  • Personal Insurance: Homeowners, Renters, Landlord, Mobile Home, Flood, Condo, Auto (including roadside assistance, SR-22, GAP), Life, Disability, Long-Term Care, Personal Umbrella, Pet Insurance, Jewelry, Identity Theft, Personal Cyber, and Special Event coverage.

  • Recreation & Specialty: Motorcycle, Boat & Watercraft, RVs (including motorhomes, ATVs, golf carts).

  • Business & Commercial Insurance: Business Owners Policy (BOP), Commercial Auto, General Liability, Commercial Property, Workers’ Compensation, Bonds, Inland Marine, Cyber Liability, Professional Liability (E&O), Directors & Officers, Employment Practices (EPLI), Umbrella, and Flood coverage.

We partner with top-rated insurance carriers to give San Marcos clients the best combination of coverage, price, and flexibility.


Why San Marcos Chooses Dowd Insurance

We’re more than just insurance agents—we’re partners invested in your peace of mind. From downtown business owners to Texas State University faculty, families in Blanco Vista, and ranchers outside city limits, our team is committed to protecting San Marcos residents with policies that fit their lifestyles.


San MarcosHome Insurance FAQs

Basic Homeowners Policy Questions
Premium & Discount Questions
Coverage & Limits Questions


Local Insurance for a Unique Community

From tubing down the river to cheering on the Bobcats at Texas State, San Marcos has its own energy—and its own risks. Whether it’s flood protection, auto coverage for Hill Country commutes, or liability insurance for your growing business, we’ll make sure you’re covered.


Contact Dowd Insurance Today

Give us a call at (512) 331-0787 or fill out our online form to get started. Whether you’re in downtown San Marcos, Blanco Vista, or out in Wimberley or Martindale, Dowd Insurance is proud to serve our Hill Country neighbors.

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