simple divider

Popular Questions About Delaware Home Insurance

simple divider

How Much Does Delaware Home Insurance Cost?

Delaware homeowners enjoy some of the lowest rates on home insurance in the nation, with an average annual premium of only $736. The average national premium for homeowners insurance is $1,132.

What Does My Delaware Home Insurance Do for Me?

Think of homeowners insurance as your financial backup plan for the times when bad things happen to your home unexpectedly.

homowners insurance graphic

Pays for repairs to your home and your belongings

Example: A tree falls on your house, and rain ruins your 60" Samsung TV.

homowners insurance graphic

Pays for someone else's injuries or property damage when it's your fault

Example: Your kid is playing baseball and accidentally smacks the ball through your neighbor's window.

homowners insurance graphic

Pays for temporary living expenses when your home is damaged

Example: You need a hotel while your house's roof is being repaired due to a fallen tree.

What Are the Top 5 Delaware Home Insurance Claims?

2
Wind and Hail Damage
2
Water Damage and Freezing
3
Property Damage
1
Theft
2
Fire and Lightning Damage
dividers

$133,077,000

Spent by insurance companies on homeowners claims in Delaware in 2015.

(That's a lot of unfortunate events happening to Delaware homeowners.)

simple divider

How Is My Delaware Homeowners Insurance Calculated?

Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk."

Below are two examples of risk facing the state of Delaware.

Crime

Crime

Crime rates in Delaware rank slightly higher than the national average, making theft a serious concern for all homeowners.

  • Theft rate in Delaware:  26.91 thefts per 1,000 residents
  • Theft rate in United States:  24.9 thefts per 1,000 residents
weather

Weather

Winter weather in Delaware can be especially severe for homeowners. The extreme cold, frozen pipes and snow melt off can do serious damage to homes.

  • Number of catastrophes: 20
  • Number of tornadoes: 1
  • Number of flood insurance claims: 10
  • Property damage from weather: $420,000

Top Insurance Companies in Delaware

An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget.

stillwater
metlife
msa

Find the Best Delaware Homeowners Insurance Today

If you're shopping for comprehensive homeowners insurance in Delaware, choose an independent insurance agent. These agents aren't tied to a specific carrier, so they can offer quotes on multiple policies, giving you more options and lower rates on the home insurance you need.

homowners insurance graphic

54

Agents in Delaware are ready to help.

homowners insurance graphic

983

Delaware residents have already been helped by one of our agents.

find an agent button

Find the Best Insurance in Your City

dividers

All monthly home insurance averages for Delaware cities were quoted using the following persona: a 46-year-old man living with his partner in a 20-year-old, 2,000 square foot primary residence that's one story and has a 10-year-old roof, frame construction, no fireplace, no sprinkler system and no losses in the past five years.

Wilmington

simple divider

$67

PER MONTH

Avg. Cost of Wilmington Home Insurance

Neighborhood safety is a big factor in your rate for home insurance. In Wilmington, the property crime rate is slightly higher than the national average, which could increase your premium.

Common Homeowners Claim in Wilmington

simple divider
Theft or Burglary
theft

If you come home one day only to find that your windows are broken and your valuables are missing, you'll need a reliable home insurance plan as a backup. Burglaries are always terrifying, but with homeowners insurance, you can at least rest easy knowing that you can file a claim and replace stolen valuables and repair any damage to your property.

arrow

Find the Best Wilmington Home Insurance

If you buy home insurance directly from a carrier, you'll be limited in your options. However, independent agents have the freedom to shop multiple policies and companies, helping you get the most affordable rates on reliable homeowners insurance.

homowners insurance graphic

14

Agents in Wilmington are ready to help.

homowners insurance graphic

289

Wilmington residents have already been helped by one of our agents.

See what others are saying about our Wilmington agents …

simple divider

My agent has been a trusted adviser to my family even before he opened his doors. Since he's been in business I have trusted him with my family's life policies, our disability insurance and my children's college funds. The service provided by his staff is top notch, and they work hard to ensure my family is continually protected.

Lavonne K., Google Review

This local agency is spectacular! The employees are all welcoming and genuinely want the best for every customer. Best insurance experience I have ever had!

Jimmy L., Online Review
find an agent button

Dover

simple divider

$93

PER MONTH

Avg. Dover Homeowners Cost  

Your home insurance premium could be higher or lower, depending on variables like the crime in your area, the size of your home, your previous claims and your credit score.

Common Homeowners Claim in Dover

simple divider
Freezing and Water Damage
ice

 

When a winter cold snap hits Dover, temperatures can fall quickly, leading to frozen pipes and ultimately major water damage to local homes. If a pipe bursts in your home and you deal with a sudden flooding issue, you can file a claim with your home insurance provider to cover the cost of repairs.

arrow

Find the Best Dover Home Insurance

The secret to finding the best Dover home insurance is to work with an independent agent. Unlike a carrier, independent agents are free to shop quotes from multiple companies. This means you'll have access to the lowest rates on the best policy options in your area.

homowners insurance graphic

5

Agents in Dover are ready to help.

homowners insurance graphic

84

Dover residents have already been helped by one of our agents.

See what others are saying about our Dover agents …

simple divider

I have been impressed with my agent's attention to detail and knowledge of industry offerings. In particular, he has saved his clients in insurance needs specific to auto and home insurance.

Joshua D., Google Review

This is by far the best insurance agency I've had and wouldn't think of changing it while I still live in this area no matter how many offers I get to switch. My agent is the best and talks to you not like an insurance agent but more like a friend she's known forever.

Brandon P., Google Review
find an agent button

Newark

simple divider

$73

PER MONTH

Avg. Newark Homeowners Cost

You could pay more or less for your home insurance, depending on factors like the local crime rate, your home's size and age, your previous claims, your credit score, etc.

Common Homeowners Claim in Newark

simple divider
Wind Damage
wind

During snow storms, the wind can do serious damage to homes in Newark. If wind gusts damage your roof or cause a tree to fall on your home, you can file a claim with your homeowners insurance policy and the repairs will be covered.

arrow

Find the Best Newark Home Insurance

Independent insurance agents can help you get the best rates on your Newark home insurance. Your agent will provide one-on-one support and provide quotes on multiple policies, helping you find the best rates on coverage for your unique needs.

homowners insurance graphic

7

Agents in Newark are ready to help.

homowners insurance graphic

118

Newark residents have already been helped by one of our agents.

See what others are saying about our Newark agents …

simple divider

My agent has handled my insurance for several years now. He's the best. He is knowledgeable and focuses on my individual needs, and he never pressures. Plus, he's a genuinely nice guy.

Susan B., Google Review

Everyone at this agency is top-notch. They are knowledgeable, responsive and trustworthy. I'm so glad I chose them to handle my family's insurance needs.

Jodi C. , Google Review
find an agent button

Milford

simple divider

$128

PER MONTH

Avg. Milford Homeowners Cost

Your actual rate on home insurance could be higher or lower, depending on the size and age of your home, your credit score, the local crime rate, etc.

Common Homeowners Claim in Milford

simple divider
Water Damage
ice

A burst pipe can quickly become a massive flood in your home. With winter weather in Milford, frozen pipes are a common occurrence. If you end up with major water damage, your homeowners insurance company will cover the cost of repairs.

arrow

Find the Best Milford Home Insurance

Finding reliable home insurance in Milford is easy with help from an experienced independent insurance agent. Your agent will give personalized support, shopping quotes from multiple companies and matching you with the best coverage to meet your unique needs.

homowners insurance graphic

3

Agents in Milford are ready to help.

homowners insurance graphic

32

Milford residents have already been helped by one of our agents.

See what others are saying about our Milford agents …

simple divider

If you want fast and easy results with no hassle for car, home, boat, motorcycle or rental property insurance coverage, this is your agent. He is our first agent of choice for our friends, family and clients and is always is looking out for his client’s best interest. Not just price, but the coverage you need.

Dana W., Google Review

My agent does the research needed and compares coverage for exactly what you need. If you are looking for that personal service that has been taken out of the industry, this agency will talk with you live one on one and give you all of the options available.

Chet U., Google Review
find an agent button

Smyrna

simple divider

$79

PER MONTH

Avg. Smyrna Homeowners Cost

Smyrna homeowners insurance rates can vary from one house to the next. It all depends on your home's age, location and size and several other variables.

Common Homeowners Claim in Smyrna

simple divider
Fire Damage
fire

When winter is at its coldest, many homeowners turn to space heaters and fireplaces to warm their homes. This can sometimes become disastrous when fires start and cause widespread property damage. If your home is damaged in a fire, you can file a claim with your home insurance provider and receive compensation to make needed repairs.

arrow

Find the Best Smyrna Home Insurance

Independent insurance agents can help you find a home insurance plan that is tailored to your unique needs. Whether you live in a small condo or a sprawling cabin, an independent agent will match you with the most affordable coverage for your home.

homowners insurance graphic

2

Agents in Smyrna are ready to help.

homowners insurance graphic

91

Smyrna residents have already been helped by one of our agents.

See what others are saying about our Smyrna agents …

simple divider

We have car insurance, and everything has been great. Best customer service around!

Erica H., Google Review

Awesome service, great agents! If you want customized insurance, head to this agency.

Liz B., Google Review
find an agent button

Middletown

simple divider

$65

PER MONTH

Avg. Middletown Homeowners Cost

The cost of your Middletown homeowners policy is based on the size and location of your home, as well as other factors. Extreme winter weather is responsible for hundreds of thousands of dollars in losses for homeowners in Delaware, and can increase the cost of homeowners insurance. 

Common Homeowners Claim in Middletown

simple divider
Freezing Water/Pipes
ice

 

Freezing pipes are not uncommon in Delaware's cold, snowy winters. Frozen pipes are more than just an inconvenience. They can cause severe water damage throughout your home. If you file a claim, your homeowners insurance policy can help you pay for the damage. 

arrow

Find the Best Middletown Home Insurance

No matter what kind of Delaware home you have, and independent insurance agent can get quotes from multiple companies to get the coverage you need within your budget. With coverage that is tailored to your unique needs, you can be assured that your Middletown home will be protected. 

find an agent button
 
 
How Much Does Home Insurance Cost
by Delaware City?
simple divider

Newark
$883 per year


Wilmington
$806 per year


Dover
$1,119 per year


Smyrna
$956 per year


Milford
$1,542 per year


Middletown
$790 per year