top of page
Search

Is Your Insurance Ready for Summer? What Delaware Homeowners Should Know

  • livingoodscott
  • Jul 22
  • 2 min read

Summer in Delaware brings sunshine, barbecues, and beach trips — but it also brings hurricanes, flooding, and home risks many don’t see coming. At Downes Insurance, we’ve protected local families for over 35 years. Here’s what every homeowner should check before the next storm rolls in — and how we can help.

ree

1. Summer Brings Different Risks

From backyard fires to coastal flooding, summer isn’t just about fun. Claims rise for:

  • Storm damage (hail, wind, flooding)

  • Theft and burglary while you’re on vacation

  • Fire or grill-related accidents

  • Tree limb damage from summer storms


2. Check Your Home Insurance Policy

Ask yourself:

  • Do I have replacement cost coverage?

  • Is my deductible affordable in an emergency?

  • Do I have enough coverage for valuables like jewelry or electronics?

  • Am I covered for temporary housing if my home is damaged?

Tip: If it’s been more than a year since your last review, it’s time.



3. What About Flood Insurance?

Homeowners policies do NOT cover flood damage — even from hurricanes or heavy rain. If you're in Delaware, especially coastal or low-lying areas, flood insurance is essential.


We’ll help you check flood zone maps and offer coverage from multiple carriers so you’re not stuck with a one-size-fits-all option.

ree

4. Don’t Forget Auto, Boat & RV Coverage

Summer is road trip season. Whether you're hauling a boat to the bay or driving to the mountains:

  • Make sure your auto insurance has roadside assistance

  • Check your boat & watercraft insurance for damage, theft, and liability

  • Review RV and camper coverage if you travel with it


5. Bundle & Save With an Independent Agency

We partner with 17+ major insurance companies, including Progressive, Liberty Mutual, and Nationwide, to give you the best combination of price, service, and protection.


Let us shop the market for you — and maybe save you hundreds.


Get a Free Coverage Review Today

Downes Insurance has been a trusted name in Delaware for decades. Whether you’re in Milford or anywhere in the state, we’re here to help you understand your coverage and protect what matters most.


Visit www.downesinsurance.net 1047 North Walnut St, Milford, DE 19963 Call: 302-422-8863.

 
 
 

Comments

bottom of page