Homeowners Insurance Delaware

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Home Insurance Delaware

Delaware homeowners insurance
Homeowners insurance in Delaware helps residents protect their homes and personal belongings. Being a homeowner comes with risks and challenges you can’t prevent, like natural disasters, fire and theft. That’s why you need homeowners insurance that will protect you when the unexpected happens. Whether you live in Wilmington, Milton or anywhere in between, the AARP® Homeowners Insurance Program from The Hartford1 can help get you the coverage you need. And with our high ratings for customer and claims service, you can count on The Hartford to be there when you need us most.
 

Types of Delaware Home Insurance Coverages

Homeowners insurance policies from The Hartford come with several types of home insurance coverage. Below are some examples of these standard coverage options:

Personal Liability Coverage

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from or earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, other structures coverage can help cover the cost of damages.

Personal Property Insurance Coverage

Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Additional Coverages Available

For more protection, you can customize your home insurance policy with additional coverages, like:
 
Equipment breakdown coverage to help pay for repairs or replacement of appliances and electronics when there is an electrical or mechanical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. Keep in mind that this coverage doesn’t cover normal wear and tear of your items.
 
Valuable items blanket to provide extra protection for certain valuables. For instance, if you have insured jewelry that gets stolen, this coverage can help cover its replacement costs.
 
Rental property insurance provides protection for you if you’re a landlord who rents out a unit to tenants.
 
Homeowners insurance policies don’t typically cover flood damage. However, you may consider buying flood insurance as a separate policy to stay protected in these situations. If your community is part of the National Flood Insurance Program (NFIP), you can get coverage.***
 

Is Delaware Homeowners Insurance Required?

Homeowners insurance isn’t required by Delaware state law, but you may be required to get a policy if you have a mortgage on your home.
 

What Is the Average Cost of Homeowner Insurance in Delaware?

The average cost of home insurance in Delaware is $764 per year, or $64 per month.2 However, it’s important to remember that your homeowners insurance cost is unique to you. Insurance companies take several factors into account when determining homeowners insurance rates, such as your:
 
  • Location
  • Home’s construction
  • Home’ age
  • Replacement cost
  • Coverage limits

Is Homeowners Insurance Expensive in Delaware?

Homeowners insurance in Delaware costs significantly lower than the national average of $1,428.3 Even still, The Hartford offers many homeowners insurance discounts to help you save on insurance. For example, you can be eligible for home insurance discounts when you:
 
  • Bundle your auto and home insurance to save up to 12% on your auto insurance and up to 20% on your home, condo or renters insurance**
  • Install home security systems, like burglar alarms
  • Pay your premium in full

Get a Quote for Home Insurance in Delaware From The Hartford

The Hartford is backed by over 200 years of experience protecting individuals and their properties. Throughout that time, The Hartford has earned a reputation as an insurance company you can trust. To learn more about the coverages and savings available to you through the AARP Homeowners Insurance Program from The Hartford, get a homeowners insurance quote online or call 877-422-2345.
 

Other Delaware Links

 
Last Updated: August 7, 2024
 
2,3 Bankrate, “Average homeowners insurance cost in August 2024.”
 
*** This is an optional coverage and may not be available in all states.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Homeowners Insurance
Quick Links
FAQs
Coverages
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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