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2024

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Best Homeowners Insurance Agencies in Delaware

Our Recommended Top 9

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Delaware 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.

569Reviewed

345Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Malvern

Expertise.com Rating

Why choose this provider?

Westtown Insurance Group is a local family-owned company providing services to clients in Delaware. It offers homeowners' insurance plans to protect families and individuals from the financial burden of replacement or repair expenses for their damaged properties and belongings due to theft, vandalism, and fire. It also handles condos, renters', valuable possessions, and flood insurance policies. Its team brings over more than seven decades of combined experience in the insurance industry. Westtown Insurance Group, the best and most trusted provider in the state, utilizes Kemper, AAA, Travelers, Safeco, and Encompass products for its insurance services.

Newark

Expertise.com Rating

Review Sources

Facebook
5.0 (31)
Google
4.3 (30)

Why choose this provider?

Insley Insurance & Financial Services services individuals and business owners in Delaware. It helps clients apply for the best homeowners' insurance plans that cover home reconstruction expenses, damaged personal possessions replacement or repair, bodily injury liability, and additional living costs after a disaster. It also carries a wide range of insurance products involving condominiums, mobile homes, classic cars, farms and ranches, landlords, and renters. The company is partnered with carriers such a AmTrust, CNA, and Dairyland.

Wilmington

Expertise.com Rating

Why choose this provider?

Rockwell Insurance Agency has been serving the state of Delaware since 1976. It provides the best homeowners' insurance to help individuals protect their future finances from unexpected damage expenses caused by man-made or natural disasters. This type of product covers the full replacement and cash value of policyholders� personal belongings and valuables, such as fine art pieces and jewelry. Rockwell carries protection plans from carriers like Lititz Mutual, Travelers, Harleysville, Encompass, Progressive, and Allied Insurance.

Wilmington

Expertise.com Rating

Review Sources

Facebook
4.6 (59)
Yelp
5.0 (3)

Why choose this provider?

Matt Gardner is a State Farm insurance agent who has been serving clients in Delaware and the surrounding areas since 2009. He helps individuals and families apply for the best homeowners' insurance policies to secure their finances from damage, loss, or liability expenses if their homes become destroyed by natural disasters, violent acts, or accidents. These homeowners insurance plans cover the policyholder�s valuable items, appliances, furniture, and musical instruments. Gardner started as a State Farm intern before opening his own State Farm agency in 2012.

Wilmington

Expertise.com Rating

Why choose this provider?

Wiswall Insurance Agency Inc. provides the best services to clients in the Delaware area. It caters to individuals who wish to apply for homeowners' insurance plans to protect their finances if their condominiums, frame houses, mobile homes, and seasonal homes become damaged due to accidents or natural disasters. Its home insurance policy covers wind damage, dog bit liability, sinkholes, personal property replacement, and manufactured home expenses. As the best agency, it represents various insurance companies, including American Modern, National General, and American Strategic Insurance.

Wilmington

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
5.0 (2)

Why choose this provider?

Arthur Hall Insurance has been catering to businesses, organizations, families, and individuals in Delaware since 1966. The First State's best agency offers insurance plans for homeowners who wish to secure their finances from liability, losses, and damage inside their residential properties. It also provides a wide selection of insurance and coverage to protect personal property, assets, and specialty items. In addition to homeowners, the company presents auto and personal liability insurance services. Arthur Hall Insurance executive vice president Mark D. Sammarone holds the Certified Insurance Counselor designation.

Wilmington

Expertise.com Rating

Review Sources

Google
4.8 (98)
Facebook
5.0 (10)

Why choose this provider?

McAfee Insurance Agency offers services to clients residing in the Delaware area. The company provides the best homeowners' insurance plans to help individuals protect their future finances and replace their properties damaged by natural disasters or fires. It also helps business owners apply for commercial insurance products covering premises or property liability, surety bonds, and workers� compensation. This best independent insurance agency carries products from Nationwide, Bristol West, National General, American Strategic Insurance, and Johnson & Johnson.

Wilmington

Expertise.com Rating

Review Sources

Google
4.2 (5)

Why choose this provider?

Business Insurance Services Inc. has been operating for over 50 years. It caters to Delaware residents applying for the cheapest homeowners' insurance plans to protect their finances and secure their properties. It also provides clients an option to combine auto insurance products with their homeowners' insurance policies to cover both properties in case of accidents or natural disasters. This company carries other personal insurance plans, including life, health, and identity theft. It is also licensed to write insurance plans for Maryland, Florida, Pennsylvania, and Virginia.

Wilmington

Expertise.com Rating

Why choose this provider?

Lord Insurance Company is an independent agency that has been serving the residents of Delaware since 2018. It helps clients obtain the best property insurance plans with coverage for liability, damaged items replacement, and temporary living expenses. It gives policy buyers an option to apply for renters', condo, landlord, and umbrella insurance policies. Its team also handles boat, vehicle, and business insurance. Progressive, Harleysville, and The Philadelphia Constributorship are some of the carriers the agency partners with.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Westtown Insurance Group
110 Phoenixville Pike, Malvern, PA 19355
Insley Insurance & Financial Services
110 Christiana Medical Center, Newark, DE 19702
Rockwell Insurance Agency
1521 Concord Pike, Wilmington, DE 19803
mattgardner4you.com
Wilmington, DE
Wiswall Insurance Agency Inc.
1035 North Lincoln Street, Wilmington, DE 19805
Arthur Hall Insurance
5301 Limestone Road, Wilmington, DE 19808
McAfee Insurance Agency
1816 West 4th Street, Wilmington, DE 19805
Business Insurance Services Inc
109 North Dupont Road, Wilmington, DE 19807
Lord Insurance Company
1035 North Lincoln Street, Wilmington, DE 19805

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.
  • 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.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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