Downes Insurance Associates, Inc.

03/23/2026

Stop Overpaying for Boat Insurance

If you haven’t compared your boat insurance recently, there’s a good chance you’re paying too much... or not covered enough. We shop top-rated carriers so you don’t have to.

Coverage for:
• Boats, jet skis & personal watercraft
• Trailers & equipment

✔ Better coverage options
✔ Competitive pricing
✔ Fast quotes
✔ Local service you can trust

One call. Multiple quotes. Real savings.

1047 N Walnut St, Milford, DE 19963
302-422-8863
www.downesinsurance.net

Message us or call today for a fast quote

03/22/2026

Most business owners are either overpaying… or not fully covered. A Business Owner’s Policy (BOP) fixes both.

Bundle your liability, property, and income protection into one streamlined policy built for small to mid-sized businesses. No confusion. No gaps. No wasted money.

We shop multiple carriers so you don’t have to.

Serving Delaware • Maryland • Pennsylvania
302-422-8863
1047 N Walnut St., Milford, DE
www.downesinsurance.net

03/22/2026

SAVE MORE. STRESS LESS. BUNDLE YOUR HOME & AUTO.

Why juggle multiple policies when you don’t have to? Bundle your home and auto insurance with Downes Insurance and get better protection, better pricing, and a whole lot less hassle.

✔ Save up to 25% on combined policies
✔ One bill. One renewal. No confusion
✔ Coverage that works together—no gaps
✔ One local agent who knows your full picture

WHAT YOU’RE ACTUALLY GETTING

Home Insurance: Protection for your house, belongings, and liability
Auto Insurance: Coverage for accidents, damage, and uninsured drivers

Most people overpay—or have gaps—because their policies are split. Bundling fixes that.

We shop top carriers so you don’t have to—finding you the best coverage at the best price.

Downes Insurance Associates
Serving Delaware • Maryland • Pennsylvania

302-422-8863
1047 N Walnut St, Milford, DE
www.downesinsurance.net

03/19/2026

Golf Carts Aren’t Just For The Course Anymore.

Across Delaware, Maryland, and Pennsylvania, golf carts are used in neighborhoods, beach towns, campgrounds, and planned communities.

But many homeowners policies don’t fully cover golf carts, especially when they’re used off your property.

Golf Cart Insurance can help protect you from:

✔ Accidents and collision damage
✔ Theft or vandalism
✔ Liability if someone is injured
✔ Medical expenses from an accident
✔ Uninsured driver incidents

At Downes Insurance, we offer affordable golf cart coverage tailored to how and where you drive.

1047 N Walnut Street, Milford, DE 19963
302-422-8863
www.downesinsurance.net

Serving Delaware | Maryland | Pennsylvania

03/18/2026

Identity Theft Can Happen to Anyone.

Stolen Social Security numbers, hacked accounts, and fraudulent charges are becoming more common every year.

Identity Theft Insurance helps protect your finances and gives you expert help if your identity is compromised.

Coverage can help with:

✔ Legal fees and fraud recovery expenses
✔ Lost wages during identity restoration
✔ Credit monitoring and fraud alerts
✔ Help restoring stolen personal information

Protect your identity and your peace of mind.

1047 N Walnut Street, Milford, DE 19963
302-422-8863
www.downesinsurance.net

Serving Delaware | Maryland | Pennsylvania

Established in 1991 by Gary Downes as an Independent Insurance agency, Downes Insurance Associates offers products from Nationwide, Progressive, Liberty Mutual and 14 others.

03/16/2026

Cyberattacks Don’t Just Target Big Companies.

Small businesses across Delaware, Maryland, and Pennsylvania face data breaches, ransomware attacks, and phishing scams every day. One stolen laptop, hacked email, or ransomware attack can cause serious financial and legal damage.

Cyber Liability Insurance helps protect your business from:

✔ Data breach response costs
✔ Ransomware and cyber extortion
✔ Business interruption from system shutdowns
✔ Lawsuits related to stolen data
✔ Social engineering and phishing fraud

If your business stores customer information, accepts online payments, or relies on computers to operate, cyber protection is essential.

At Downes Insurance, we help businesses find affordable cyber coverage before a digital attack happens.

1047 N Walnut Street, Milford, DE 19963
302-422-8863
www.downesinsurance.net

Established in 1991 by Gary Downes as an Independent Insurance agency, Downes Insurance Associates offers products from Nationwide, Progressive, Liberty Mutual and 14 others.

03/12/2026

Is Your Business Protected From A Major Lawsuit?

Standard liability policies have limits. If a claim exceeds those limits, your business assets could be at risk.

Commercial Umbrella Insurance provides extra liability protection above your existing policies — helping protect your business from large lawsuits and unexpected claims.

Ideal for businesses with:

✔ Public foot traffic
✔ Company vehicles or fleets
✔ Contractors or equipment
✔ High-value contracts or operations

At Downes Insurance, we help businesses across Delaware, Maryland & Pennsylvania secure the protection they need.

302-422-8863
www.downesinsurance.net

Established in 1991 by Gary Downes as an Independent Insurance agency, Downes Insurance Associates offers products from Nationwide, Progressive, Liberty Mutual and 14 others.

03/11/2026

Think Your Home Insurance Covers Flooding? Think Again.

Most homeowners are surprised to learn that standard home insurance policies do NOT cover flood damage.

And flooding doesn’t just happen near the coast. Heavy rain, rising rivers, and storm runoff can impact homes and businesses anywhere in Delaware, Maryland, and Pennsylvania.

At Downes Insurance, we help property owners protect what matters most with flood insurance designed for real-world risks.

Flood insurance can help cover:

✔ Structural damage to your home
✔ Furniture, appliances, and personal property
✔ Detached garages and structures
✔ Temporary living expenses after a disaster

We help homeowners, landlords, farmers, and business owners across:

As an independent agency, we compare NFIP and private flood insurance options to find the right protection for your property.

302-422-8863
www.downesinsurance.net

Established in 1991 by Gary Downes as an Independent Insurance agency, Downes Insurance Associates offers products from Nationwide, Progressive, Liberty Mutual and 14 others.

03/09/2026

Are You Sure Your Auto Insurance Really Protects You?

Most drivers carry insurance because the law requires it. But state minimum coverage often isn’t enough to protect your savings, your vehicle, or your future after a serious accident.

At Downes Insurance, we help drivers across Delaware, Maryland, and Pennsylvania find better protection at better rates by comparing multiple top insurance companies.

We help you review coverage like:

✔ Liability Protection
✔ Collision Coverage
✔ Comprehensive Coverage
✔ Uninsured Motorist Protection
✔ Medical Payments / PIP
✔ Optional Roadside Assistance

You may also qualify for discounts like:

• Multi-Vehicle Savings
• Home & Auto Bundles
• Safe Driver Discounts
• Good Student Rates
• Low Mileage Programs

Local agents. Real advice. No pressure.

Call today for a free auto insurance quote
302-422-8863
www.downesinsurance.net

Established in 1991 by Gary Downes as an Independent Insurance agency, Downes Insurance Associates offers products from Nationwide, Progressive, Liberty Mutual and 14 others.

03/06/2026

If something happens to you, would your family be financially secure?

We help families across Delaware, Maryland, and Pennsylvania choose the right protection:

✔ Term Life
✔ Whole Life
✔ Universal Life
✔ Final Expense

Simple guidance. Clear options. Local service. Protect the people who matter most.

302-422-8863
www.downesinsurance.net

03/04/2026

One Lawsuit. One Fire. One Shutdown. That’s All It Takes.

If you own a small business in Delaware, Maryland, or Pennsylvania, you need more than just “basic coverage.”

A Business Owner’s Policy (BOP) bundles the core protections your company depends on into one smart, cost-effective package:

✔ General Liability
✔ Commercial Property
✔ Business Income Protection

If a fire damages your building…
If a customer slips and sues…
If you’re forced to shut down temporarily…

A BOP helps keep your business alive.

At Downes Insurance, we customize coverage for your industry, your risk level, and your state. One renewal. One claim process. One local agency that actually answers the phone.

Optional add-ons available:
• Crime Coverage
• Data Breach
• Equipment Breakdown
• And more

Don’t gamble with what you’ve built. Protect the business you worked too hard to lose.

Serving Delaware • Maryland • Pennsylvania
302-422-8863

Affordable auto insurance with Downes Insurance in Milford, DE. Get a free quote today.