Insurance Where You Live: Protect What Matters Most

No matter where you call home — a single-family house, a mobile home, a condo, or a rented

apartment — protecting your space and your belongings is essential. Life is unpredictable, and the right insurance policy ensures that you’re financially prepared for the unexpected.

At Downes Insurance, we help families and individuals across Delaware, Maryland, and Pennsylvania find the right coverage for their unique living situation. Here’s how we can help protect the place you call home:

Homeowners Insurance: Peace of Mind for Property Owners

If you own a house, homeowners insurance covers the structure itself, your personal belongings, and liability in case someone is injured on your property. It’s your first line of defense against fires, storms, theft, and lawsuits. We’ll help you tailor a policy that fits your home’s value and your lifestyle.

Manufactured & Mobile Home Insurance: Specialized Coverage for Unique Needs

Manufactured and mobile homes often require specialized coverage because of how they’re built and where they’re located. We offer policies that account for wind and water damage, detached structures, and personal liability. Whether you live in a mobile home park or on your own land, we’ve got you covered.

Condo Insurance: Covering What Your Association Doesn’t

Condo owners need a different type of protection. Your condo association might cover the building’s exterior, but you’re usually responsible for the interior walls, appliances, and personal items. Our condo policies are designed to fill in the gaps left by your HOA’s master policy.

Renters Insurance: Affordable Protection for Tenants

Even if you don’t own the place you live in, your belongings are still at risk. Renters insurance is an affordable way to protect your furniture, electronics, clothes, and more. It also includes liability coverage in case someone gets hurt in your apartment. Many landlords now require tenants to have renters insurance — and it’s a smart move either way.

Why Choose Downes Insurance?

• We’re local and independent, serving DE, MD, and PA.

• We shop top-rated insurance companies to find you the best coverage at the best price.

• One phone call is all it takes — and we’ll do the hard work for you.

Your home is more than just a roof over your head — it’s your life, your memories, and your peace of mind. Let Downes Insurance help you protect it.

Call us today at 302-422-8863 or visit www.downesinsurance.net to get a free quote.