Gavop's guide to buying homeowners insurance in Elsmere, DE covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Elsmere, DE - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Matti Ave, Ruth Rd, Ohio Ave, Roselawn Ave, Sylvan Ave, Red Bud Ct, Sanders Rd, Spruce Ave, Prospect Rd, Osborne Rd | $247,000 | $230,000 | $200,000-$250,000 | $154,500 | $140,000 | $150,000-$175,000 |
| Beech Ave, S Cleveland Ave, Clifton Ave, Vilone Pl, Brookside Ave, Village Rd, Locust Ave, Northern Ave, Pardee Ave, Cypress Ave | $108,500 | $90,000 | $100,000-$125,000 | $99,000 | $90,000 | $100,000-$125,000 |
| Boulevard Rd, Hall Ave, Marion Ave, Northern Ave, Village Ct, Bracken Ave, B & O Ln, Baldini Blvd, Southern Rd, Seaview Ave | $216,500 | $200,000 | $200,000-$250,000 | $168,000 | $140,000 | $150,000-$175,000 |
| Elizabeth Ave, Linkwood Ave, Seneca Rd, Gray Ave, Chestnut Ave, Oak Ave, B and O Ln, Alfred Ave, Hawthorne Ave, Elsmere Blvd | $136,500 | $130,000 | $150,000-$175,000 | $159,000 | $130,000 | $125,000-$150,000 |
| Eastwood Rd, Carolyn Dr, Century Blvd, Elm Ave, Ohio Ave, S Grant St, S Clifton Ave, Alvil Rd, Bungalow Ave, New Rd | $196,000 | $180,000 | $200,000-$250,000 | $147,500 | $130,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$82 | $503 |
| Superior Protection Discount | -$53 | $532 |
| Fire & Security Discount | -$58 | $526 |
| Hail Resistant Roof Discount | -$18 | $567 |
| Newly Constructed Home Discount | -$170 | $415 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| New Castle County | $700 | $718 | $1,418 | $522 | $1,222 | $196 |
| Elsmere, DE | $2,500 | $578 | $3,078 | $420 | $2,920 | $158 |
| Swedesboro, NJ | $100 | $848 | $948 | $616 | $716 | $232 |
| Plymouth, PA | $2,000 | $894 | $2,894 | $650 | $2,650 | $244 |
| Churchtown, PA | $400 | $873 | $1,273 | $635 | $1,035 | $239 |
| Victory Lakes, NJ | $2,000 | $785 | $2,785 | $571 | $2,571 | $215 |
| Perkiomen, PA | $200 | $783 | $983 | $569 | $769 | $214 |
| Upper Frederick, PA | $1,500 | $862 | $2,362 | $626 | $2,126 | $235 |
| Laurel Lake, NJ | $400 | $597 | $997 | $434 | $834 | $163 |
| Shillington, PA | $1,000 | $672 | $1,672 | $488 | $1,488 | $184 |
| Lincoln Park, PA | $500 | $713 | $1,213 | $518 | $1,018 | $195 |
| Eastampton, NJ | $2,500 | $808 | $3,308 | $587 | $3,087 | $221 |
| Home Insurance Company Elsmere, DE | Homeowners Insurance Agency Elsmere, DE | Address | Popularity Score | Distance from Elsmere (miles) |
|---|---|---|---|---|
| State Farm | Heather Broujos | 33 Possum Park Mall, Newark, DE, 19711-5591 | 7.3 | |
| State Farm | Garland Thompson | 4 E 8th St Ste 200 Fl 2, Wilmington, DE, 19801-3553 | 2.5 | |
| Nationwide | Insley Insurance & Financial Services Inc. | 4633 Ogletown Stanton Rd, Newark, DE, 19713-2006 | 5.8 | |
| Allstate | Matthew Henaghan | 1302 Old Lancaster Pike Bldg A, Hockessin, DE, 19707 | 6.5 | |
| State Farm | Sean O'Hagan | 1302 Society Drive, Claymont, DE, 19703-1743 | 9.0 | |
| State Farm | Xan Hong | 2018 Naamans Rd Ste 4, Wilmington, DE, 19810-2659 | 7.9 | |
| Nationwide | John Koziol Inc | 724 Yorklyn Rd Ste 200, Hockessin, DE, 19707-8732 | 6.3 | |
| State Farm | Brian Hartle | 239 Christiana Road, New Castle, DE, 19720-2907 | 5.6 | |
| State Farm | Brian Dawson | 2500 Wrangle Hill Rd Ste 125, Bear, DE, 19701-3841 | 9.4 | |
| Allstate | Gerald Penrose | 25 Milltown Rd Ste 2, Wilmington, DE, 19808 | 2.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Delaware | $238,600 | $736 | $580 | $980 | $400 |
| New Castle County, DE | $248,100 | $727 | $570 | $970 | $400 |
| Elsmere, DE | $168,400 | $585 | $460 | $780 | $320 |
| Swedesboro, NJ | $200,900 | $858 | $630 | $1,180 | $550 |
| Plymouth, PA | $328,200 | $905 | $640 | $1,280 | $640 |
| Churchtown, PA | $245,500 | $884 | $630 | $1,210 | $580 |
| Victory Lakes, NJ | $171,100 | $795 | $560 | $1,120 | $560 |
| Perkiomen, PA | $274,500 | $792 | $570 | $1,090 | $520 |
| Upper Frederick, PA | $239,600 | $872 | $600 | $1,240 | $640 |
| Laurel Lake, NJ | $103,200 | $604 | $430 | $860 | $430 |
| Shillington, PA | $137,700 | $680 | $470 | $930 | $460 |
| Lincoln Park, PA | $158,400 | $722 | $520 | $990 | $470 |
| Eastampton, NJ | $265,100 | $818 | $600 | $1,130 | $530 |