Who regulates homeowners insurance in Delaware?

The Delaware Department of Insurance (insurance.delaware.gov) licenses carriers and handles consumer complaints.

Is flood insurance required in Delaware?

Flood insurance is not required by state law, but federally backed mortgage lenders require it for properties in FEMA-designated Special Flood Hazard Areas. Purchase NFIP policies at floodsmart.gov.

Does Delaware have a homeowners insurance availability problem?

Some coastal areas with high storm risk have seen reduced availability or higher premiums. Contact the Delaware Department of Insurance if you cannot find coverage.

What is the most common homeowners insurance claim in Delaware?

Wind damage from nor'easters and tropical systems, plus water damage from frozen pipes and heavy rain, are the most frequent homeowners claims in Delaware.

How can I verify a carrier is licensed in Delaware?

Use the license-lookup tool at insurance.delaware.gov to confirm a carrier is authorized to write homeowners policies in the state.

Homeowners Insurance in Delaware

Delaware's coastal geography exposes homeowners to nor'easter wind, storm surge, and flood risk — particularly in Sussex County's barrier island communities. Flood insurance is separate from standard policies.

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