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.
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.
