Why Renters in Delaware Shouldn’t Skip Coverage

livingoodscott
May 29
2 min read

If you're renting a home or apartment in Delaware, you may think your landlord’s policy has you covered—but that’s not the case. Your landlord’s insurance protects the building, not your personal belongings. That’s where renters coverage comes in.

What is Renters Coverage?

Renters coverage is a policy that protects your personal property, covers liability if someone is injured in your rental space, and can even pay for temporary living expenses if your place becomes uninhabitable due to a covered event like a fire or severe storm.

Why It Matters in Delaware

Delaware's coastal location means residents can be vulnerable to flooding and storms. While flooding typically requires a separate policy, renters coverage offers important protections against wind damage, theft, and fire—risks that are all too common. Whether you're in Wilmington, Dover, or along the Eastern Shore, peace of mind is just as important as affordability.

What It Covers

Personal Property: From electronics and furniture to clothing and kitchenware, your items are covered against fire, theft, vandalism, and more.
Liability: If someone is hurt in your rental and sues, your policy helps cover legal and medical expenses.
Loss of Use: If you’re temporarily displaced due to damage, your policy can help cover hotel stays and meals.

How Much Does It Cost?

One of the best things about renters coverage is the price. In Delaware, it often costs less than $20 per month—less than you'd spend on a dinner out. For a small monthly fee, you get big protection.

Final Thoughts

Renters coverage is a smart, affordable way to protect what matters. At Downes Insurance Associates, we help renters across Delaware find coverage that fits their lifestyle and budget. Whether you're a student renting your first apartment or a family in a long-term lease, we’ve got you covered.

Need a quote or have questions? Reach out today and let’s make sure you’re protected. Call 302-422-8863 or go online to www.downesinsurance.net/contact-us.