The First State of Protection: Delaware Insurance

As Delaware was the first state to ratify the Constitution, you can put yourself on the forefront of affordable insurance by doing the most comprehensive comparison shopping possible. A 2,000 square foot house in Wilmington needs dwelling coverage of at least $200,000, but who will give you the best premium? And is that enough protection? How do your profession, education level, and credit history influence the Delaware insurance quotes you receive for your car? Equip yourself with enough information about home insurance, auto insurance, health insurance, life insurance and business insurance, and you can feel secure at an affordable price. Delaware insurance is like having your own Blue Hen army to protect you and your family against threat.

The Venerable Home

In the Diamond State, protecting your home turf is a tradition going back to the American Revolution. When searching for Delaware home insurance quotes, most homeowners choose the HO-3 special form policy, which covers your home for all risks of physical loss, except for those that are specifically excluded in the policy. Still, you may find that you want to include more coverage for your possessions; typically, home insurance policies cover possessions for about 50% of the dwelling value. Antiques and other hard-to-replace items probably demand more coverage than that. Or you may take steps to drive down your costs. A new roof or wiring system looks great to insurers. Installing anti-theft systems and fire protections like smoke alarms and fire extinguishers can also drive Delaware insurance quotes down-10%, 15%, or more.

The Race for Car Insurance

You don't have to drive the Dover International Speedway to need great car insurance. In fact, state law requires every driver to purchase bodily injury liability coverage of $15,000 per injured person, up to a total of $30,000 per accident, and property damage liability coverage of $10,000 (known as a 15/30/10 policy). Since Delaware is a tort add-on state, the parties not at fault in a single accident are entitled to personal injury protection up to the limits: 15,000 to any one person involved, $30,000 to all people involved. These benefits are referred to as an "add-on" to anything they might receive through a lawsuit. If you fail to show proof of these coverages, you're likely to face a fine of $1,500 and an automatic license suspension. You can find Delaware auto insurance quotes at driver-friendly prices by making informed decisions. A 40-year-old man in Wilmington might pay $1,340 a year to insure his Volkswagen Passat, but he can save more than $300 on that premium by adding his wife to the policy.

The Perfect Arc

Like the Twelve-Mile Circle, the boundaries of the right insurance policy are unique. Your own history of buying insurance plays a role in your Delaware insurance quotes, as do such things as the location of your home and how often you drive. In the end, this means that you should take the time to find the exact policies that meet your needs. A free service like makes comparison shopping an easy proposition. You may discover that combining auto and home policies, or the addition of a life or health policy, gives you a better return on investment. Since rates change regularly, consider comparing regularly, too. It's not too hard to find and ratify the right coverage.

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