Delaware homeowners insurance

If you're looking for homeowners insurance in Delaware, Progressive can provide you with customized, affordable coverage. Discover how homeowners insurance coverage works and the discounts Delawareans can access for their primary residence.

3 min to read

Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

How you're covered

Delaware doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
  • Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It is important to read your policy to understand the coverage provided.

Learn more about homeowners insurance coverages.

Common claims in Delaware

Delaware may be the second-smallest state, but its weather conditions can be mighty. Among other common issues, high winds and coastal storms can cause roof leaks and even structural damage to your home. Learn how home insurance can cover damage caused by severe weather.

Storms and hurricanes can cause water levels to rise and flood homes, particularly along Delaware Bay and Rehoboth Bay. A flood insurance policy may protect your property and belongings against flood damage.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm System
  • Multi-policy
  • Quote in Advance
  • New Purchase

See more about the home insurance discounts we offer.

Pro tip:

Bundle home and auto insurance with Progressive to earn a multi-policy discount. We make it simple to get a bundled quote, even from your phone.

How much is homeowners insurance in Delaware?

Your cost for Delaware homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Are you looking to rent out a home you've purchased in Delaware?

If you own a rental property in Delaware, make sure it's protected with the right type of insurance policy. Learn more about landlord policies and insurance for vacation or vacant homes.

Fast facts about homeownership in Delaware

  1. Sussex is home to pricey real estate, with houses typically selling for $1 million or more.

  2. Delaware has a homeownership rate of 71.4%, significantly higher than the national average, according to Delaware State Housing Authority.

  3. Despite being surrounded by the region's major metropolises, Delaware is home to more than 2,500 farms due to its moderate climate.

Online

Answer questions about your property and then customize your coverage to your needs.

Quote home insurance

Call a rep

Talk to a licensed representative who can answer your questions.

Call 1-866-749-7436

Through an agent

Talk to an independent agent about your options.

Find a Delaware agent online

Quote homeowners insurance online or call for advice

Learn more about home insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.