When winter hits Delaware, Pennsylvania or Maryland, it doesn’t just bring snowflakes and chilly mornings — it brings new risks to your home, car, and business. Frozen pipes, slick roads, and surprise power outages can cause thousands in damage if you’re not prepared. At Downes Insurance , we’re here to help you stay protected and make sure your coverage keeps you safe all season long. Homeowners: Prevent Winter Damage Before It Starts Frozen Pipes & Water Damage Cold snaps c

Life doesn’t always go as planned. One moment everything feels secure, and the next an accident, storm, or unexpected event can turn your...

Running a small business in Delaware comes with a lot of responsibility—and risk. From unexpected property damage to liability claims,...