Delaware Home Insurance

If you own a home in Delaware, you may want to know more about the home insurance requirements, laws, policies, as well as average costs and best companies. Here are some details that can help you understand and compare your options.

- Delaware does not require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place .

- A typical homeowners insurance policy in Delaware will include the following coverages: dwelling, other structures, personal property, personal liability, medical payments to others, and loss of use .

- The cost of homeowners insurance in Delaware varies based on many factors, such as your location, type of home, coverage limits, and discounts. You can get a free online quote from different companies to compare prices and features .

- If you own a rental property in Delaware, you may need a different type of insurance policy to protect your investment. You can also purchase additional coverages for specific risks, such as water backup, identity theft, or flood damage .

- If you are a home inspector in Delaware, you need to meet certain education, exam, and insurance requirements to obtain a license. You need to complete 140 hours of home inspection education, pass the NHIE exam, perform 75 home inspections under active oversight, and have E&O and liability insurance.