Serving Delaware, Maryland and Pennsylvania
1047 North Walnut St,
Milford, Delaware 19963
Homeowners Insurance
Protect Your Home. Simplify Your Coverage. Save With Local Experts.
Your home is likely your biggest investment — make sure it’s properly protected. At Downes Insurance, we help homeowners across Delaware, Maryland, and Pennsylvania get the right coverage at the right price.
Whether you live in a coastal home in Sussex County, a townhouse in Wilmington, a farmhouse in Pennsylvania, or a suburban home in Maryland, we’ll find you the right homeowners insurance policy — and make the process easy.
​
What Does Home Insurance Cover?
A typical homeowners insurance policy includes:
-
Dwelling Coverage – Repairs or rebuilds your home after damage from fire, wind, hail, or other covered events
-
Other Structures – Coverage for sheds, garages, fences, or detached buildings
-
Personal Property – Replaces belongings like furniture, electronics, and clothing
-
Liability Protection – Covers injuries or property damage you're legally responsible for
-
Loss of Use – Pays for hotels or rent if your home becomes uninhabitable after a covered loss
​
We customize every policy based on your location, home type, and risk level.
​
Optional Coverage Add-Ons
Your home isn't one-size-fits-all — your insurance shouldn’t be either. Ask us about:
-
Flood Insurance (especially near the coast or waterways)
-
Sewer/Water Backup
-
High-Value Jewelry, Fine Art, or Collectibles
-
Equipment Breakdown
-
Home-Based Business Coverage
​
How to Save on Home Insurance
​
We help homeowners save with:
✅ Home & Auto Bundles
✅ Security system or smart home discounts
✅ Claims-free history
✅ New roof or renovation credits
✅ Higher deductibles for lower premiums
​
Need auto too? Bundle and save here
​
Who We Insure
​
We work with:
-
First-time homebuyers
-
Coastal and waterfront homeowners
-
Empty nesters and retirees
-
Landlords and second-home owners
-
Homeowners with unique or older properties
​
Whether your home is in the woods of Pennsylvania, the streets of Baltimore, or a quiet Kent Island neighborhood, we have a policy for you.
​
Why Choose Downes Insurance?
✅ Independent – We shop top-rated carriers to find your best value
✅ Local – Serving DE, MD & PA with people who know your neighborhoods
✅ Custom Service – Coverage built around you, not a call center script
✅ Real Agents – We help at claim time, not just at sign-up
​
“Downes Insurance saved us nearly $700/year and got us better coverage than our old policy. Their team was knowledgeable and easy to work with.”
— Laura G., Kent County, DE​
FAQs: Homeowners Insurance
​
Q: How much home insurance do I need?
A: You should carry enough to rebuild your home at current local construction costs — not just your purchase price.
​
Q: Is flood insurance included in a standard policy?
A: No — flood insurance is a separate policy, often required in high-risk zones. We’ll check your flood risk and recommend what you need.
​
Q: What if I have a second home or vacation property?
A: We specialize in seasonal and second-home insurance in MD, DE & PA, including coastal zones.
​
Q: Can I bundle home and auto?
A: Yes — and most of our clients do. You’ll likely qualify for a multi-policy discount.
​
Get a Free Homeowners Insurance Quote Today
Serving Delaware, Maryland & Pennsylvania
Call us at 302-422-8863​
​