Renters Insurance

Renters Insurance in Delaware, Maryland & Pennsylvania

Your landlord’s policy doesn’t cover your stuff.
If there’s a fire, theft, or water damage, your personal belongings could be lost — and without renters insurance, you're responsible for replacing them.

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At Downes Insurance, we offer affordable renters insurance that protects your belongings and your peace of mind. Whether you rent an apartment, townhouse, or single-family home in Delaware, Maryland, or Pennsylvania, we’ve got you covered.

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Why Renters Insurance Is Essential

Renters insurance covers much more than your “stuff.” It also protects you from:

• Fire or smoke damage

• Water damage (from burst pipes, not flooding)

• Theft — at home or while traveling

• Liability claims (if someone is injured in your home)

• Temporary housing if your unit is unlivable (Loss of Use)

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Typical policies start at under $20/month and cover thousands in personal property.

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What We Cover

• Furniture & Electronics

• Clothing & Jewelry

• Appliances & Kitchenware

• Computers & Personal Tech

• Sporting Equipment

• Personal Liability up to $500,000

• Medical Payments to Others

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Ideal for Renters In:

• Apartments & Condos

• Townhomes & Duplexes

• College Housing

• Single-Family Rentals

• Basement or In-Law Units

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Local Agents Serving DE, MD & PA

We’re based in Milford, Delaware, and provide renters insurance throughout:

• Delaware: Newark, Dover, Rehoboth, Georgetown, Wilmington

• Maryland: Kent Island, Easton, Salisbury, Annapolis, Cambridge

• Pennsylvania: Lancaster, West Chester, Kennett Square, Philadelphia suburbs

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As an independent agency, we work with multiple national carriers to compare plans and find the best value for your budget.

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Get a Free Renters Insurance Quote Today

Renters insurance is one of the most affordable ways to protect your future. Let us help you get started today.

Call 302-422-8863 or click below for your free quote from a local agent.

Request My Free Quote