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    Delaware homeowners insurance

    If you own a home in the great state of Delaware, it's important to protect your investment with the right homeowners insurance policy. Whether you've just bought your first home in Newark or just moved your growing family into a two-story in the Dover suburbs, Delaware homeowners insurance from Nationwide can help you in the event of the unexpected. Our reliable policies can cover you if you experience home theft, water backup damage, certain natural disasters and more. Learn more about our Delaware homeowners insurance discounts and get a free online quote from Nationwide today.

    Delaware homeowners coverages and discounts

    What factors go into determining a homeowners insurance rate?

    While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:

    Location

    Location includes the state, ZIP code, and claims history of the area.

    Construction

    The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

    Age of the house

    How new or old the house is, and the upgrades that were made to an older home.

    Replacement cost

    The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

    Swimming pool

    Owning a swimming pool may increase your liability coverage to cover possible injuries.

    Home-based business

    If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.

    Coverage

    The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

    Policy features that may meet the needs of Delaware homeowners

    We have home insurance options for homeowners across Delaware, whether you've put down roots in Wilmington, Middletown or in the countryside.
    • Water backup1 can help protect you from losses caused by backed-up sewer or drain water.
    • Identity theft protection helps defend you against fraud and identity theft and can stop damages to your credit within minutes.

    Nationwide agents throughout Delaware are ready to assist you

    Select your city below to find an agent near you.

    Want to find a local agent in your neighborhood?
    We have Nationwide agents throughout Delaware.
    Find a local agent

    Get a free Delaware homeowners insurance review

    A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
    • Increase or decrease your deductible(s)
    • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
    • Review our responsive home insurance claim policy
    Call Nationwide at 1-877-On-Your-Side and get your Delaware homeowners insurance quote today.

    Nationwide coverage in Delaware

    Motorcycle insurance

    Find motorcycle coverages and discounts for your state.

    Auto insurance

    Find auto coverages and discounts for your state.

    Renters insurance

    Find renters coverages and discounts for your state.

    On Your Side® Review

    Make sure your insurance keeps up with your life.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.