Delaware Homeowners Insurance

The first of the original 13 colonies of the United States, Delaware has been paving a way into the record books for years. Delaware homeowners insurance can add another feat for being one of the most affordable in the entire country.

The average cost of homeowners insurance in Delaware is just under $800 per year, and the easiest way to secure a policy at that low price is to get a quote from Clovered’s multi-rater quoting engine!

Whether you’re Dover, Wilmington, Middletown or another wonderful town in The First State, simply enter your information into our online engine to get paired with multiple homeowners insurance quotes in Delaware from the state’s best companies.

You’ll be paired with a few different quotes from multiple Delaware homeowners insurance companies at prices ranging from some of the cheapest in the state.

What’s Covered With a Delaware Homeowners Insurance Policy?

Coverage A – Dwelling

☘ This covers the actual structure of your home and the components that make it, such as the roof, siding, windows, countertops and flooring. Since it protects the actual home itself, the amount of Coverage A on your policy should be the equivalent, or slightly more, than your home’s value.

Coverage B – Other Structures

☘ Everything from a white picket fence to a shed — and even a treehouse — are considered other structures. The structures must be on the homeowner’s property, though, and is typically up to 10 percent of the policy’s dwelling limit.

Coverage C – Personal Belongings

☘ Coverage C is designed to protect the policyholder’s personal belongings that are kept within the home. For homeowners, this coverage can extend to items kept on the property, such as a lawnmower.

Coverage D – Loss of Use

☘ Arguably the most underrated part of every homeowners insurance policy, loss of use helps to pay for things like equivalent housing and extra everyday expenses if the policyholder’s home is unable to live in after being damaged or destroyed.

Coverage E – Personal Liability

☘ Protection against accidents that occur on the policyholder’s property, personal liability can provide money for medical bills and legal expenses for incidents when the policyholder is found liable. Coverage extends to incidents like dog bites, major injuries and accidental death.

Coverage F – Medical Payments

☘ Similar to personal liability, medical payments to others (also called MedPay) covers minor injuries that occur on the policyholder’s property — whether or not they’re found liable for the incident. Policies usually have between $1,000 and $5,000 worth of MedPay coverage.
What are the common covered perils

Which Perils Are Most Commonly Covered by Delaware Homeowners Insurance?

Since Delaware spans the Atlantic coastline, it faces some serious threats from Mother Nature, such as hurricanes, brutal hailstorms and even tornadoes. Having the right Delaware home insurance policy in place can help protect your home, belongings and family from the following covered perils the state may throw your way.

  • ☘ Vandalism
  • ☘ Theft
  • ☘ Damage caused by vehicles
  • ☘ Damage caused by aircraft
  • ☘ Rioting or civil disturbances
  • ☘ Smoke damage
  • ☘ Fire or lightning
  • ☘ Windstorm or hail, such as a hurricane or tornado
  • ☘ Explosions

  • ☘ Volcanic eruptions
  • ☘ Frozen pipes
  • ☘ Falling objects
  • ☘ Damage caused by heating, air conditioning or plumbing
  • ☘ Damage due to snow, ice or sleet
  • ☘ Damage from water heater, including cracks, burns or tears
  • ☘ Damage from electrical currents, such as downed powerlines

What’s the Average Cost of Homeowners Insurance in Delaware?

Even though Delaware is susceptible to hurricanes and other natural disasters, its smaller size seems to fend off most natural disasters that come its way. Since this occurs, the average cost of homeowners insurance in Delaware is just under $800 per year.

Delaware home insurance coverage is well below the national average, so it packs a big bang for the buck, insuring your home to its value, providing you with at least $100,000 in liability coverage and up to 20 percent of your home’s value in loss of use coverage.

  • Average Cost of Homeowners Insurance in Delaware: $800 per year

How to Get the Best Cheap Homeowners Insurance in Delaware

Getting a home insurance quote is quick, easy and hassle-free with Clovered’s online quoting tool. To get cheap homeowners insurance in Delaware, simply input your home’s information to get paired multiple quotes from multiple carriers on a single page to get the policy you need at the price you want.

Want more or less coverage? It’s easy to adjust your coverage amounts so that you get a policy within your budget!

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