Having the Right Insurance at the Right Times

Life doesn’t always go as planned. One moment everything feels secure, and the next an accident, storm, or unexpected event can turn your world upside down. That’s why having the right insurance at the right time matters more than most people realize.

At Downes Insurance, we work with trusted companies like Nationwide, Liberty Mutual, and Progressive—plus many others—to make sure you’re covered when you need it most. Here are a few key times when the right insurance can make all the difference:

1. Starting a New Chapter in Life

Whether you’re buying your first home, renting your first apartment, or starting a family, each step comes with new risks. Homeowners insurance, renters insurance, and life insurance give you peace of mind as you move forward.

2. Getting Behind the Wheel

From your first car to a whole family fleet, auto insurance is a must. Beyond basic coverage, you may want to explore add-ons like roadside assistance, safe-driver discounts, and bundled policies that save money while keeping everyone protected.

3. Seasonal Shifts

Each season brings unique risks—spring flooding, summer storms, fall accidents from slippery leaves, and winter’s icy hazards. Updating your coverage before the seasons change helps prevent costly surprises.

4. Growing a Business

For small business owners, one claim could mean major setbacks. Having the right business coverage—whether it’s general liability, property, or cyber insurance—keeps your hard work protected year-round.

5. Planning for the Future

As life changes, so should your insurance. Kids grow, homes get upgraded, and retirement plans evolve. Periodic insurance reviews ensure your policies stay current and you never find yourself underinsured.

Why It Matters

The right coverage at the right time isn’t just about protecting “stuff.” It’s about protecting the life you’ve built, the people you love, and your financial future.

At Downes Insurance, we shop quotes from multiple carriers so you only have to make one call. We’ll help you find affordable coverage that fits your life today—and adapts as your needs change.

Call us today at 302-422-8863 or visit us at 1047 North Walnut St, Milford, DE 19963 to review your coverage and make sure you have the right protection at the right times.