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.
Think of homeowners insurance as your financial backup plan for the times when bad things happen to your home unexpectedly.
Example: A tree falls on your house, and rain ruins your 60" Samsung TV.
Example: Your kid is playing baseball and accidentally smacks the ball through your neighbor's window.
Example: You need a hotel while your house's roof is being repaired due to a fallen tree.
(That's a lot of unfortunate events happening to Delaware homeowners.)
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 rates in Delaware rank slightly higher than the national average, making theft a serious concern for all homeowners.
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.
An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget.
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.
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.
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.
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.
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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
We have car insurance, and everything has been great. Best customer service around!
Awesome service, great agents! If you want customized insurance, head to this agency.
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.
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.
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.
$883 per year
$806 per year
$1,119 per year
$956 per year
$1,542 per year
$790 per year