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Delaware Home Insurance

Delaware home insurance offers property damage coverage for your home. The most basic policy (HO-2 policy) protects against damages by fire, wind, hail, explosions, smoke, vehicles, aircraft, vandalism, theft and falling objects. The more deluxe policies offer liability protection (HO-3 policy), which becomes useful if someone has an accident on your property. Mortgage lenders mandate that owners purchase Delaware home owners insurance while they are paying back the money owed on their house.

Policy Limitations

As with most policies, not all “Acts of God” are covered. Home owners are shocked when they realize their flooded house won’t be covered by their Delaware home owners insurance. For this reason, everyone should read their “exclusion” section of the policy to see what is or is not covered. Most homeowners buy flood insurance separate from their Delaware home insurance.

Delaware Home Insurance Rates

The Delaware home insurance rates are comparable to other coastal cities. Many find that, depending on the region they live, they can find significant savings from company to company. For this reason, it is always advisable to shop around before buying your Delaware home insurance.

Fee Reduction

We came up with some common sense ways for you to save money on your Delaware home owners insurance. Before you buy a home, determine the average cost of Delaware home owners insurance in the area. For instance, a frame home may cost significantly more than a brick home in certain high wind areas. The distance from a fire station may impact the cost of fire protection and can reduce premiums by shaving off those important dollars. Also, a person can increase the deductible on a policy to save in the long run. These are just a few ways for you to save on your Delaware home insurance.

Delaware Department of Insurance

Main Office
841 Silver Lake Blvd.
Dover, DE 19904
Phone: (302) 674-7300


For other Delaware Insurance Resources, See:


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