November 10, 2025
jdowdinsProtecting Your Hill Country Home from Wildfire Risk — and Insurance Sticker Shock
Living in the Texas Hill Country means wide-open views, winding roads, and the kind of sunsets that make you stop mid-sentence. But it also means you’re surrounded by cedar, oak, and limestone terrain that can turn from scenic to risky when wildfire season hits. At Dowd Insurance Agency, we know that being in or near […]
October 16, 2025
jdowdinsFireplace & Smoke Detector Safety: Your Fall Home Safety Double-Check
A roaring fire and a cup of cocoa sound perfect on a chilly evening—but safety should come first. Fall is the best time to double-check your fireplace and smoke detectors. Fireplace Safety Use a fireplace screen to catch sparks. Burn only seasoned wood—never trash or cardboard. Keep flammable items at least 3 feet away. Smoke […]
October 9, 2025
jdowdinsTree Trimming: Protecting Your Home from Falling Branches
Fall in Central Texas means unpredictable storms, and overgrown trees can pose serious risks to your home. A little trimming now can prevent a lot of damage later. Why Tree Maintenance Matters Protects your roof and siding from falling branches. Prevents power outages from downed lines. Improves tree health and curb appeal. Reduces liability if […]
October 2, 2025
jdowdinsRoof Inspections: Catch Problems Before They Get Expensive
From hailstorms to scorching summers, your roof has been through a lot this year. Fall is the perfect time to give it some attention with a professional inspection. Why Roof Inspections Are Essential Your roof protects everything inside your home. Skipping inspections can lead to: Leaks that damage walls, ceilings, and insulation. Structural issues from […]
September 25, 2025
jdowdinsHVAC Tune-Ups: Stay Cozy Without Costly Breakdowns
When the first cool front rolls into Central Texas, you want your heater ready to roll—not sputtering out. Fall is the perfect time for an HVAC tune-up, ensuring your system keeps you comfortable all season long. Why HVAC Maintenance Matters Your HVAC system works hard year-round. Without regular maintenance, small issues can turn into big, […]
September 18, 2025
jdowdinsGutter Cleaning: Protecting Your Home from Water Damage This Fall
As summer storms fade into crisp Hill Country evenings, your gutters may be hiding leaves, twigs, and other debris. Out of sight, out of mind—until the first big fall rainstorm sends water spilling over the edge. Clogged gutters can send water where it doesn’t belong, like into your roof, siding, or foundation. That’s not just […]
September 16, 2025
jdowdinsUnderstanding Roof Coverage Your Home Insurance Should Include
Hey there, fellow Hill Country homeowner—got shingles, tin, or cedar shakes? Your roof is your home’s first line of defense against the blistering Texas sun, dramatic storms, hail, wind, and sudden downpours. Yet many people don’t really understand how their homeowners insurance covers roof damage. Let’s break down the important roof‐related insurance terms so you […]
September 11, 2025
jdowdinsWhy Chimney Cleaning Matters for Central Texas Homeowners
There’s something special about the shift from blazing Texas summers to cooler Hill Country nights. As the long days of summer start winding down, it’s the perfect time to think about your fall home maintenance checklist—and yes, that includes chimney cleaning. Whether you’re in San Marcos, New Braunfels, or tucked away in the backroads of […]
September 9, 2025
jdowdinsWhy Scheduling High-Value Items on Your Homeowners Policy Matters
When you think about your homeowners insurance, you probably imagine the big stuff: your house, furniture, electronics, maybe even your beloved backyard smoker. But what about the small things that pack a big punch in value—like your grandmother’s diamond ring, that custom guitar you saved up for, or a designer handbag collection? Here’s the catch: […]
September 2, 2025
jdowdinsHill Country Homeowner’s Guide to Staying Weather-Ready
Hey there, Hill Country homeowners! Whether you’re nestled among the cypress-lined hills near Kerrville or soaking up the relaxed vibe around Blanco, we’ve got a simple — yet savvy — guide to help you rest easy when Mother Nature decides to stir things up. Check Your Coverage — Seriously Before a twister—or even a wild […]