MDOW Insurance

What MDOW Insurance does

MDOW Insurance Company, operating alongside its subsidiary Columbia Lloyds, is a private regional property and casualty insurance carrier headquartered in Houston, Texas. Founded in 1987, the company underwrites and distributes personal lines insurance products exclusively in Texas, Oklahoma, and Arkansas. Its product portfolio spans property coverage — low-value dwelling (HO001), replacement cost homeowners (HOB), farm/ranch, country home, manufactured home, and Texas fire dwelling — and auto coverage including personal auto, non-owner, and farm truck. All policies are written on annual terms with premiums varying by coverage limits, deductibles, and risk characteristics.

Name

MDOW Insurance

Legal name

Columbia Lloyds and MDOW Insurance Company

Website

https://mdowinsurance.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

MDOW Insurance and its Columbia Lloyds subsidiary are a private Houston-based regional property and casualty insurer underwriting personal property and auto coverage in Texas, Oklahoma, and Arkansas exclusively through independent agents.

Ownership category

akta.pro rank

Product category

Regional Property and Casualty Insurance

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Landlord / Dwelling Fire (DP) Insurance (FSAJACAD), Hired & Non-Owned Auto (FSAJABAE)

Keywords

• Property and casualty insurance
• Homeowners insurance
• Farm and ranch insurance
• Auto insurance
• Independent agent distribution

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Others

Revenue model

1. Insurance Premiums: MDOW Insurance generates revenue through collecting insurance premiums from policyholders. The company offers property insurance (homeowners, farm/ranch, manufactured homes, country homes) and auto insurance (personal auto, non-owners, farm trucks) policies in Texas, Oklahoma, and Arkansas. Premiums are collected on an annual basis as insurance policies are typically one-year term contracts.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

MDOW Insurance is a regional property and casualty insurance carrier that underwrites and sells homeowners, fire dwelling, farm/ranch, country home, manufactured home, personal auto, non-owner auto, and farm truck insurance policies. Products are distributed exclusively through independent agents and are available only in Texas, Oklahoma, and Arkansas under the MDOW and Columbia Lloyds brands.

Product overview

MDOW Insurance Company operates under two brands: Columbia Lloyds and MDOW Insurance. The company offers a unified portfolio of property and auto insurance products distributed through independent agents in Texas, Oklahoma, and Arkansas. Property insurance products include Low Value Dwelling, Replacement Cost Homeowners, Farm/Ranch, Country Home, and Manufactured Home insurance. Auto insurance products include Personal Auto, Non-Owner, and Farm Truck insurance. Columbia Lloyds offers homeowner insurance specifically for Texas markets.

Differentiator

Problem solved

Functional benefit

Products and services

• Columbia Lloyds Homeowner Insurance
• Low Value Dwelling Insurance (HO001) Dwelling fire and homeowners insurance for low-value properties, with minimum limits of $50,000 and maximum limits of $200,000, $1,000 minimum deductible, $150 minimum premium, and actual cash value basis coverage. Includes personal liability of $25,000, $50,000, or $100,000 and medical pay of $500 or $1,000. Contents coverage is set at 50% of Coverage A.
• Replacement Cost Homeowners Insurance (HOB) Texas Homeowner's Policy offering dwelling, other structures, loss of use, personal liability, and medical payments coverage with replacement cost basis, with limits from $150,000 to $750,000 (up to $1 million subject to approval). Optional endorsements available for jewelry, fur, pet, golf cart, and solar panel coverage.
• Farm/Ranch Insurance Comprehensive farm insurance covering dwelling, farm liability, farm personal property (animals, feed, machinery, equipment), and farm outbuildings against fire, lightning, windstorms, hail, vandalism, and theft. Designed for farm and ranch owners in Texas, Oklahoma, and Arkansas.
• Country Home Insurance Country home / farm and ranch coverage providing dwelling coverage up to $500,000, farm barns/buildings/structures, scheduled farm personal property, personal liability up to $500,000, medical payments up to $5,000, and replacement cost on personal property up to 60% of dwelling coverage. One-year policy term, wind deductible from 1%, all other perils from $1,000, with optional endorsements for residential glass, scheduled personal property, identity theft, service line, equipment breakdown, water backup, and cyber protection.
• Manufactured Home Insurance Insurance for manufactured homes with standard coverage including home protection, personal property protection, liability protection, medical protection, and additional living expenses. Optional coverage available for scheduled personal property, business property, and extended coverage.
• Personal Auto Insurance Personal auto insurance providing financial protection against physical damage and bodily injury from traffic collisions. Includes liability coverage, collision coverage, comprehensive coverage, medical payments, uninsured/underinsured motorist, and personal injury protection, with optional towing and rental reimbursement.
• Non-Owner Auto Insurance Auto liability coverage for individuals who do not own a vehicle but rent or borrow cars, providing basic liability protection when operating vehicles not owned by the policyholder.
• Farm Truck Insurance Auto insurance for vehicles used primarily for farming or ranching with occasional personal use. Covers liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, personal injury protection, towing, rental reimbursement, and non-owners coverage.
• Columbia Lloyds Texas Homeowner's Policy - Form A (HOA) Columbia Lloyds Texas Homeowner's Policy Form A with limits from $50,000 to $200,000, deductible of $1,000 or 2%-5% (2% minimum in Tier 2), personal liability from $25,000 to $300,000, medical pay from $500 to $1,000, and contents coverage of 40% of dwelling coverage maximum. Endorsements available for residential glass, TV/radio antenna, increased costs of construction, automatic increase of limits, and sudden & accidental water coverage.
• Texas Fire Dwelling Policy - Form 1 (TDP) Texas Fire Dwelling Policy Form 1 with limits from $50,000 to $200,000, extended coverage available, and vandalism & malicious mischief coverage available for owner-occupied (30% maximum) and tenant-occupied ($1,000 maximum) properties. Includes fair rental value and contract of sale options, with liability coverage available for tenant-occupied properties only.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Erie Insurance: Regional P&C mutual with strong homeowners, auto, and small-commercial franchise distributed through exclusive agents — comparable independent-agent-led regional carrier archetype.
• Auto-Owners Insurance: Mid-size regional mutual P&C insurer with homeowners, auto, and farm coverage distributed through independent agents across multiple states — broader portfolio but same agent-led regional model.

Direct peers

• Germania Insurance: Texas-based regional mutual property and casualty insurer offering homeowners, auto, and farm/ranch coverage through independent agents across TX, OK, and surrounding states — closely comparable product mix, distribution model, and geography to MDOW.
• Foremost Insurance Group: Specialty P&C carrier within the Farmers Insurance Group focused on manufactured/mobile homes, farm/ranch, and other non-standard property risks — highly comparable niche product strategy to MDOW's manufactured home and farm lines.
• Central Insurance: Mid-size regional mutual P&C carrier offering personal lines (home, auto) and small-commercial coverage through independent agents across the Midwest — similar size band and agent-led distribution model.
• Shelter Insurance: Regional mutual P&C carrier operating across the South Central and Midwest US with homeowners, auto, farm, and manufactured home products distributed through captive agents — comparable multi-line, multi-state regional model.
• Arbella Insurance Group: Regional New England-based P&C carrier serving personal and small-commercial lines through independent agents — comparable mid-size regional mutual structure and agent distribution.

Regional players

• Texas Farm Bureau Insurance: Texas-focused mutual insurer offering farm/ranch, homeowners, and auto through captive agents across rural Texas — directly competes with MDOW in Texas farm and rural homeowner segments.
• Oklahoma Farm Bureau Insurance: Oklahoma-focused mutual insurer offering farm, homeowners, and auto through agents — direct competitor in MDOW's Oklahoma farm and rural property book.

Emerging players

• Dairyland Insurance: Specialty auto and P&C carrier focused on non-standard and rural drivers including farm vehicles — overlaps with MDOW's farm truck and non-owner auto product strategy.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/mdow-insurance

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MDOW Insurance