Dover Homeowners Insurance

What Your Dover Home Insurance Policy Needs

Located along the picturesque St. Jones River, you’ll find Dover, Delaware’s capital and second largest city. If you live in Dover, you’ll enjoy a low cost of living, an active local economy and some of the best events in the north like the Firefly Music Festival each summer. Of course, Dover, DE also delivers the risk for serious winter weather and summer storms, so make sure you’re covered with comprehensive Dover homeowners insurance. 

The experienced Trusted Choice Independent Insurance agents make it easy to find the best homeowners coverage. Whether you’re looking for insurance for a single family home, a condo or a vacation property, our friendly agents can walk you through your coverage options and help you find a reliable policy. 

  • National yearly premium average: $1,034
  • Delaware yearly premium average: $678
  • 45th most expensive premium in the U.S.

Dover homeowners enjoy some of the most affordable home insurance premiums in the nation. The Trusted Choice agents can help you find even more ways to save, with discounts for security systems, smoke alarms and other safety precautions. Ultimately, your rate will be decided based on several key factors like your home's size and age; your recent claims history; and your high risk factors, if any, like swimming pools and aggressive dog breeds. 

Number of Thefts in Delaware

  • National number of burglaries: 37,814
  • Delaware number of burglaries: 6,131

As one of Delaware’s fastest growing cities, Dover does have occasional issues with break-ins. While the frequency is still much lower than the national average, break-ins are still a cause for concern. If you’re worried that you could be the victim of a burglary, make sure you have coverage built in with your home insurance plan. Not only will homeowners insurance protect your house from damage, but it will also cover you if you need to replace valuables that are stolen. 

Number of Catastrophes in Delaware

  • Number of catastrophes in Delaware: 20
  • Number of tornadoes in Delaware: 1
  • Amount of property damage in Delaware: $420,000
  • 1 in 15 insured homes has a claim each year

Each year, weather-related disasters wreak havoc on Delaware cities. In Dover, the most common threats are heavy rains, lightning damage and hail. Make sure your home is protected by choosing a comprehensive homeowners insurance plan that pays for repairs if your home is damaged in a passing storm. 

What Are the Risks in Dover?

Dover homeowners are at routine risk for random weather disasters. No one can predict the weather with 100 percent accuracy, and occasional tornadoes can cause major devastation for homeowners. The only way to have real peace of mind is by knowing you have a comprehensive home insurance plan behind you to cover the costs if you do experience a natural disaster in your neighborhood.

Compare Dover Home Insurance Quotes

Before you select a home insurance company, take time to compare all of your options. The Trusted Choice Independent Insurance Agents make is easy to see all of your options at a glance. In fact, they can provide quotes from multiple policies, giving you a broad range of coverages to choose from at a price you can afford. Contact a Trusted Choice agent today to start shopping for your Dover homeowners insurance policy.

Now, who's ready to get their insurance problems solved?