Delaware Homeowners Insurance Quotes

Delaware is a land of wonder. We have pristine beaches combined with beautiful, friendly and fun coastal towns. When the day at the beach is done, head out shopping at a Delaware beach boutique, art gallery or enjoy a five star meal at one of our many cutting-edge restaurants. Remember, in the "First State" there is no sales tax so the price you see is the price you pay, it's the best way to shop.

While beaches are a big part of Delaware life, we have much more to offer. Chateau Country is dotted with regal mansions and lush gardens while our numerous wildlife refuges teem with birds and natural beauty.

Delaware is a great place to visit and an even better place to live.

Delaware Homeowner Facts

Delaware is one of the smallest states in the Union, ranking 45th with a population of 945,934. While Delaware is also one of the smallest states as far as square mileage, it is the second smallest in the country, it is densely populated, coming in sixth in population density. There are only three counties in the great state of Delaware, New Castle, Kent and Sussex with New Castle being the most industrialized while the other two are more agricultural.

There are currently 3,977 households per zip code with an average of two people per house. Even though Delaware is small, it packs a big punch with median household income, it ranks 11th with a median income of $57,954. Zillow puts the median home value in Delaware at $205,300, which is a slight raise of 0.3% from last year. Zillow predicts that home values will jump up 1.4% in the next year, which makes it a great time to buy.

House costs can vary greatly depending on which part of Delaware you choose to live. A home in Hockessin will set you back an average of $367,800 while Wilmington is much more affordable at a median price of $115,600.

Homeowners Insurance in Delaware

The good news is that homeowners insurance in Delaware is very affordable according to recent studies, coming in at an average of $678 a year while the U.S. average is $1,034. To save up to 40% on your premium, contact us today to help you compare and save.

There are ways to drive that cost even lower. Bundling your car insurance with your homeowners coverage can result in a discount of up to 20 percent and shopping your coverage on a regular basis is a great way to make sure you are getting the best deal on all of your insurance needs.

If you live in one of our beautiful coastal communities, such as Lewes, Bethany Beach or Fenwick Island, adding storm shutters and a sprinkler system can result in a big discount on your homeowners premium.

Our site makes it easy to compare numerous insurers quickly (up to 12). Simply fill out our quick and easy online quoting application and we will begin comparing rates for the most competitive prices in Delaware.

Factors to Consider in Delaware

Crime rates will always have an impact on a homeowners premium and unfortunately, Delaware does have an issue with crime, especially Wilmington. The city of Wilmington has a population of 71,000 and a violent-crime rate of 1,625 per 100,000 people according to the FBI, which is significantly higher than the national average of 368 per 100,000.

It's not just crime that can cause problems in Delaware, natural disasters such as hurricanes can be an issue, especially in the coastal towns. Depending on where your home is located, flood insurance may be necessary in addition to homeowners coverage. Our shopping process can help you bind additional coverages like flood insurance so you get the coverage you need fast.

Damage caused by flooding is not covered by a standard homeowners policy and if you live in a flood zone your lender will require a separate flood policy. Before purchasing a home be sure to get an insurance quote so there are no surprises when it comes time to close on your new house.

Regardless of whether you are moving to Dover, Wilmington, New Castle or any of our other beautiful cities, you are going to need homeowners coverage, and possibly flood insurance. We can help you find the perfect insurance policy for your home. We search dozens of national insurers such as Nationwide, Progressive, Titan Insurance, Safeco Insurance, Liberty Mutual Insurance, The Hartford and many more.