Gavop's guide to buying homeowners insurance in Kent County, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $60,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $151,000 | $140,000 | $125,000-$150,000 |
| 3 Bedroom | $130,000 | $110,000 | $125,000-$150,000 |
| 4 Bedroom | $284,000 | $260,000 | $300,000-$350,000 |
| 5 Bedroom | $179,500 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$120 | $548 |
| Superior Protection Discount | -$67 | $601 |
| Fire & Security Discount | -$74 | $595 |
| Hail Resistant Roof Discount | -$13 | $655 |
| Newly Constructed Home Discount | -$194 | $475 |
| 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 |
| Kent County | $1,000 | $660 | $1,660 | $480 | $1,480 | $180 |
| Kent County, DE | $2,500 | $660 | $3,160 | $480 | $2,980 | $180 |
| Hartly, DE | $400 | $680 | $1,080 | $494 | $894 | $186 |
| Hancocks Bridge, NJ | $1,000 | $776 | $1,776 | $564 | $1,564 | $212 |
| Millsboro, DE | $500 | $603 | $1,103 | $438 | $938 | $165 |
| Estell Manor, NJ | $1,500 | $910 | $2,410 | $661 | $2,161 | $249 |
| Beckett, NJ | $300 | $875 | $1,175 | $636 | $936 | $239 |
| Mardela Springs, MD | $1,500 | $717 | $2,217 | $521 | $2,021 | $196 |
| Algonquin, MD | $500 | $835 | $1,335 | $607 | $1,107 | $228 |
| Edgewood, MD | $2,500 | $696 | $3,196 | $505 | $3,005 | $190 |
| Bishopville, MD | $200 | $1,078 | $1,278 | $783 | $983 | $295 |
| Home Insurance Company Kent County, DE | Homeowners Insurance Agency Kent County, DE | Address | Popularity Score | Distance from Kent County (miles) |
|---|---|---|---|---|
| State Farm | Matt Basile | 4601 S Dupont Hwy Ste 4, Dover, DE, 19901-6405 | 2.3 | |
| Nationwide | Insley Insurance & Financial Services Inc. | 4633 Ogletown Stanton Rd, Newark, DE, 19713-2006 | 41.7 | |
| State Farm | Amanda Dixon | 1711 Pulaski Hwy, Bear, DE, 19701-1711 | 37.4 | |
| State Farm | Ron Cephas | 3511 Phila Pike, Claymont, DE, 19703-3106 | 48.9 | |
| Allstate | Matthew Henaghan | 1302 Old Lancaster Pike Bldg A, Hockessin, DE, 19707 | 48.8 | |
| State Farm | Sean O'Hagan | 1302 Society Drive, Claymont, DE, 19703-1743 | 49.9 | |
| Travelers | Thomas J Hornung & Associates | 900 Philadelphia Pike , Wilmington, DE, 19809 | 46.7 | |
| Nationwide | Michael D Frankos Agency | 375 W North St Ste A, Dover, DE, 19904 | 4.3 | |
| Allstate | Stracar Insurance | 24083 Shortly Rd, Georgetown, DE, 19947 | 31.1 | |
| Allstate | Daniel Devine | 2205 Silverside Rd Ste 1, Wilmington, DE, 19810 | 48.7 |
| 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 |
| Kent County, DE | $205,800 | $668 | $530 | $890 | $360 |
| Kent County, DE | $205,800 | $668 | $530 | $890 | $360 |
| Hartly, DE | $205,000 | $688 | $540 | $920 | $380 |
| Hancocks Bridge, NJ | $166,700 | $785 | $530 | $1,090 | $560 |
| Millsboro, DE | $184,800 | $610 | $480 | $810 | $330 |
| Estell Manor, NJ | $234,900 | $921 | $640 | $1,280 | $640 |
| Beckett, NJ | $215,700 | $886 | $630 | $1,270 | $640 |
| Mardela Springs, MD | $151,600 | $726 | $570 | $910 | $340 |
| Algonquin, MD | $218,700 | $845 | $670 | $1,060 | $390 |
| Edgewood, MD | $169,200 | $704 | $560 | $890 | $330 |
| Bishopville, MD | $328,100 | $1,091 | $860 | $1,370 | $510 |