Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Wilmington

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Wilmington Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

50Reviewed

34Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
110 Phoenixville Pike, Malvern, PA 19355
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Why choose this provider?

Westtown Insurance Group provides homeowners insurance services to clients in the Wilmington metro area. Its agents sell policies to clients and advise them on their available coverage options and the implications of those options. Westtown Insurance Group can also help clients to deal with a variety of needs when procuring coverage for their personal belongings or personal liability coverage to protect them if anyone if harmed on their property. Auto, business, and life insurance policies are available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (48)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
109 North Dupont Road, Wilmington, DE 19807
  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Business Insurance Services Inc. offers personal and commercial insurance services to clients in Wilmington and the rest of the region. The team of agents guides private residence owners in choosing the right homeowner's insurance policy from a range of coverage options. These options include property insurance, homeowners' liability protection, scheduled property insurance, and in-home business coverage. The company also offers insurance solutions for landlords, renters, and owners of condominiums and mobile homes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
111 Ruthar Drive, Newark, DE 19711
  • Renter's Insurance
  • Condos

Why choose this provider?

B+H Insurance sells homeowners insurance policies to clients in the Wilmington metro area. This company offers a multitude of coverage options so that clients can secure dwellings, furniture and other personal items, and any other structures on their properties to prevent financial loss should they be destroyed. Aside from homeowners, B+H Insurance also offers insurance options for renters and landlords, and it insures condos as well. B+H Insurance is highly experienced with auto insurance too.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Wilmington, DE
  • Multiple Policy Types

Why choose this provider?

Matt Gardner State Farm Insurance Agency has been serving its customers in Wilmington and the surrounding areas since 2012. The agency specializes in auto, home, property, business, life, health, and pet insurance. Its team of efficient and licensed insurance account representatives strives to ensure the goals of its customers are met and to always put the customer first. Interested parties can contact them by phone or by visiting their website.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.7 / 5 (35)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1035 North Lincoln Street, Wilmington, DE 19805
  • Multiple Policy Types

Why choose this provider?

Wiswall Insurance Agency Inc. offers personal and commercial insurance solutions to clients in Wilmington and the surrounding communities. Its homeowners' insurance category covers frame houses, concrete block structure (CBS) homes, manufactured homes, mobile homes on acreage, condominiums, and townhouses. The policy is also available for rental homes, secondary homes, and seasonal-resident homes. The risks that may be included in the policy are storms, fire, windstorm, lightning, and hail. The coverages also include damages due to flood and sewer or septic backups.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (35)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1816 West 4th Street, Wilmington, DE 19805
  • Earthquake
  • Fire

Why choose this provider?

McAfee Insurance Agency is an independent business providing a variety of insurance plans in Wilmington. The company provides homeowners insurance to equip clients with financial protection from losses due to unforeseen events. Its home insurance policies include named perils policies, which cover only the losses specified in the contract, or while the all-risk policies, which cover any potential damages or losses. The professionals at McAfee Insurance Agency are also experienced in general liability, mortgage protection, and commercial property insurance solutions.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (51)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1521 Concord Pike, Wilmington, DE 19803
  • Multiple Policy Types

Why choose this provider?

Rockwell Insurance Agency caters to the property and casualty insurance needs of clients in Wilmington and the surrounding areas for more than four decades. The agents guide homeowners on choosing the right insurance policy and the relevant coverages that suit their needs and fit their budget. The firm offers a wide range of homeowners' insurance policies including basic coverage and all-risk coverage. The clients can opt for a full-replacement coverage or actual cash value coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (10)
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
110 Christiana Medical Center, Newark, DE 19702
  • Multiple Policy Types

Why choose this provider?

Insley Insurance & Financial Services offers personal and business insurance products in Wilmington and surrounding areas. Its homeowners' insurance provides coverage for damages and losses caused by fire, explosions, hail, lightning, and theft to the structure or personal possessions. The agents guide clients in determining the amount of insurance needed to cover the cost of rebuilding the home and replacing lost items. Other items covered by the homeowners' insurance are additional living expenses and personal liability protection.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1035 North Lincoln Street, Wilmington, DE 19805
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Condos

Why choose this provider?

Lord Insurance Company is a Wilmington-based homeowners' insurance agency. Its professional agents coordinate with a number of trusted insurance carriers that have crafted policies suited to each property's potential risks. They can assist homeowners seeking protection for their possessions and possible living expenses if they need to live somewhere else for repairs. The company also offers personal insurance products for renters and those residing in condominiums. Lord Insurance Company can also shop for umbrella policies for added protection against lawsuits.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
5.0 / 5 (10)
Yelp
3.5 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5301 Limestone Road, Wilmington, DE 19808
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Condos

Why choose this provider?

Arthur Hall Insurance serves the Wilmington metro area and assists clients with a multitude of needs. It sells homeowners insurance and can assess properties and personal artifacts to determine value and offer comprehensive policies to protect owners from losses. Umbrella liability protection is available to cover a full range of needs related to dwellings, property, owner liabilities, and natural disasters. Arthur Hall Insurance also sells renters insurance policies and can cover condominium owners.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • How can Wilmington residents report suspicions of insurance fraud, including homeowners', and what are the repercussions for committing such fraud?

    Wilmington citizens can report potential insurance fraud by calling 1-800-632-5154 or (302) 674-7350. Additionally, they can send their concerns through mail or email. Committing insurance fraud, like presenting deceptive data on applications or during claims, carries severe penalties in Delaware, including fines reaching $10,000 and a maximum of two years imprisonment. Reporting these offenses may lead to reduced insurance premiums statewide.

  • How do Wilmington homeowners' insurance companies use credit information when determining premiums?

    Wilmington insurance providers reference credit data to establish suitable premiums for homeowners, but they steer clear of hard credit checks, ensuring residents' scores remain unaffected. They evaluate the applicant's seven-year credit history related to insurance interactions. Prompt and full premium payments and minimal claims can diminish your annual premium, while late payments or frequent claims may amplify it.

  • Will your homeowners' insurance policy in Wilmington cover the damages from a crime that happened on your property?

    Yes. Your homeowners' insurance policy covers the damage in the event of a crime on your property in Wilmington. After experiencing a break-in, Wilmington residents should promptly report it to the police, document damages with photos, and compile an inventory of damaged or stolen items. The reimbursement timeline and amount hinge on individual insurance policies and whether the coverage is based on actual cash value or replacement costs. Different insurers have varied criteria for claims, so being thorough and timely is key.

  • How does the deductible work for property damage in a Wilmington homeowners' insurance policy?

    When property damage happens in Wilmington, homeowners are responsible for covering costs up to their selected deductible before their insurance intervenes. For instance, there's $9,000 in damage from a burst kitchen pipe, and the policy's deductible is $1,000; the homeowner pays the initial $1,000, and the insurer handles the subsequent $8,000. If you opt for a higher deductible, it can yield a reduced annual policy cost or premium.

  • In Wilmington, if an uninsured vehicle destroys a resident's home, how does homeowners' insurance help?

    If a vehicle crashes into a Wilmington resident's property, the driver's insurance should cover the damages. However, if the driver lacks insurance, their coverage is insufficient, or the accident exposes your home to further harsh weather conditions, homeowners may need to seek support from their insurance policy. Residents should promptly consult their insurance providers to determine applicable coverage.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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