Delaware Insurance All Your Needs in One Place

Homeowners insurance in Delaware is designed to cover certain types of property damage that homeowners might face, including damage caused by severe storms, fires, burglaries, and more. 

Most home insurance policies in Delaware include property coverage, loss of use coverage, and liability coverage. 

• Property coverage: Pays to repair, replace, or rebuild your damaged or destroyed home, personal belongings, and certain detached structures like garages or sheds. 
• Loss of use coverage: Pays for certain living expenses (e.g., hotel bills, food, etc.) if you are forced to live somewhere else, like a hotel, while your home is being repaired after it sustains significant property damage. 
• Liability coverage: Protects you when someone claims you have caused an injury or property damage. It covers the injured party's expenses (e.g., medical bills, property repairs) and your legal fees if you're sued. 

A local independent insurance agent can help you find homeowners insurance in Delaware. 

All drivers are required to carry three types of car insurance in Delaware. The following types of coverage protect you when you are responsible for the injury or death of another person, or if you are responsible for damage to another person’s property. 

• Minimum required bodily injury coverage:
  • Up to $25,000 for one person involved in a single accident 
  • Up to $50,000 for all people involved in a single accident, with no more than $25,000 to any one person 
• Minimum required property damage coverage:
  • Up to $10,000 for the destruction of property of others as a result of any one accident 

Car insurance policies in Delaware must also include personal injury protection (PIP) coverage. This means that your insurance company will pay for the medical expenses and lost wages for you and your passengers if injured in an accident, regardless of fault. The minimum amount of PIP coverage required for drivers in Delaware is:

• Up to $15,000 for any one person involved in a single accident
• Up to $30,000 for all people involved in a single accident, with no more than $15,000 for any one person 

You can include several other coverage options in your car insurance in Delaware. These include uninsured/underinsured motorist coverage, collision insurance, comprehensive insurance, gap insurance, towing and roadside assistance, rental car reimbursement, and more. 

Contact an independent auto insurance agent in Delaware for the coverage you need. 

A comprehensive business insurance program in Delaware will typically include the following types of coverage:

• Business property insurance
• Business interruption (loss of use) insurance
• General liability insurance 

These policies can be purchased individually or as part of a specialized package policy designed for your industry. 

Most businesses will need additional coverage for complete protection. Depending on the size of your business and the type of work that you do, you might need: 

• Workers’ compensation insurance
• Commercial auto insurance
• Commercial umbrella insurance
• Various forms of additional property or liability protection

If you operate a small business in Delaware, you may qualify for a business owners policy (BOP), which combines property coverage, business interruption coverage, and liability coverage into one affordable package policy designed for the needs of small business owners. 

Whether you purchase your policies individually or as a package designed for your industry, your business insurance will protect you when your property is damaged or if your business is responsible for harming someone or damaging someone else’s property. 

Contact an independent business insurance agent in Delaware for the coverage you need. 

Workers’ compensation insurance provides benefits to workers who are injured or who contract an occupational illness while on the job. 

Workers’ compensation insurance in Delaware covers medical care, temporary disability payments, and compensation for a resulting permanent impairment. If a work-related injury or illness results in a fatality, the worker’s family will receive death benefits. 

Delaware employers with one or more employees are required to purchase workers’ compensation insurance. Farm workers are exempt from the workers' compensation requirements in Delaware, but agricultural employers may elect to provide coverage for their employees. 

Contact a local independent insurance agent to help you find workers’ compensation insurance in Delaware.

Restaurant insurance in Delaware typically consists of a group of business insurance policies that respond to unexpected events that can cause a financial loss. You need restaurant coverage to protect your business from things like fires, severe weather, theft, equipment breakdowns, food spoilage, and accidents or injuries that occur on your property. 

Most restaurants in Delaware need a customized package of property, liability, automobile, and crime coverage. In addition, restaurant owners will likely consider purchasing equipment breakdown coverage, spoilage coverage, and other business insurance policies that protect them from a variety of risks. 

It’s a good idea to work with an independent insurance agent in Delaware and an insurance company that both specialize in restaurant insurance. 

If you need to cover your restaurant, talk to an independent insurance agent about finding an insurance plan that works for you.

Commercial vehicle insurance in Delaware covers cars, trucks, and any other vehicles used in business operations. Similar to personal auto insurance, commercial auto insurance provides liability, collision, comprehensive, personal injury, uninsured and underinsured motorist coverage, and more for the business owner. 

Commercial vehicle owners in Delaware must purchase bodily injury liability coverage, property damage liability coverage, and personal injury protection/medical payments coverage that meets the state’s minimum coverage requirements. 

Contact an independent insurance agent in Delaware to learn more about your commercial vehicle insurance options. 

Liability insurance pays for repairing or replacing damaged property of others. It also pays for medical expenses for injured parties, and it even pays your attorney fees, court costs, and any financial settlements or judgments you have to pay if you are sued.

Your auto insurance, home insurance, and other personal insurance policies in Delaware provide limited amounts of liability coverage. The policy limits may not be sufficient to cover a very large lawsuit or financial settlement. 

Umbrella insurance in Delaware offers excess liability coverage that kicks in when the limits of an underlying policy—including home insurance, renters insurance, condominium insurance, boat insurance, or car insurance—have been exhausted. 

Umbrella insurance in Delaware typically covers what the underlying policy does. What's more, an umbrella policy may offer expanded coverage, including covering you worldwide. It might also cover a few circumstances that the underlying policy does not, such as claims for libel, slander, and false imprisonment. 

An independent insurance agent in Delaware will be able to help you find the umbrella coverage you need, no matter what you need.

Renters insurance is a type of personal insurance policy. It protects your personal belongings against damage or loss. It also protects you if someone is injured as a result of your negligence. 

Renters occupy around 28 percent of homes in Delaware. When you’re a renter, it’s a wise decision to carry renters insurance. 

Renters insurance in Delaware covers you for losses related to the following:

• Fire 
• Smoke
• Lightning
• Vandalism 
• Theft (including personal items stolen from your car, but not the car itself)
• Explosion
• Windstorm and water damage (not floods) 

Renters insurance also provides liability coverage, which protects your assets when you, a family member, or a pet injures someone or damages someone else’s property while at your home or somewhere else. 

Talk to a local independent insurance agent to find renters insurance in Delaware.

Life insurance in Delaware is an important way to protect your family’s financial security even after you’re gone. In general, life insurance pays a lump sum death benefit to your beneficiaries in the event of your death. This money can help your family pay your debts, final expenses, and estate taxes. It can even be a source of inheritance for them. 

The two main types of life insurance available in Delaware are:  

• Term life insurance: Provides protection for a certain period of time (e.g., 10, 20 or 30 years) and is typically used to provide for some final expenses and income replacement for your dependents. 
• Permanent life insurance: Offers a long-term savings or investment component along with survivor death benefits. Permanent life insurance is a complex investment tool. The types of permanent life insurance that are typically available include universal life, whole life, variable universal life, and variable life. 

Contact an independent insurance agent to learn more about life insurance in Delaware.

Searching for the best and most affordable insurance products can be frustrating and confusing. That’s why it pays to have an experienced insurance professional in your corner.

Instead of getting an online quote, find an independent insurance agent in Delaware now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.  

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.