Homeowners Insurance in Delaware

Protecting Your Most Valuable Investment.

Your home is more than just a place to live—it’s one of your most significant financial investments. At Mid-State Insurance, we provide tailored homeowners insurance policies to protect your home, belongings, and peace of mind.

What Does Homeowners Insurance Cover?

A bond is a financial guarantee that a business or individual will fulfill specific obligations, such as completing a project, adhering to laws, or meeting financial commitments. If those obligations aren’t met, the bond provides financial compensation to the affected party.

Types of Bonds We Offer

A comprehensive homeowners insurance policy typically includes:

Structural Coverage
Protects your home and other structures on your property from risks such as fire, smoke, lightning, wind, hail, frozen plumbing, theft, explosion, vandalism, and winter roof collapse.
Personal Property Coverage
Covers the cost of repairing or replacing belongings damaged or destroyed by covered risks.
Liability Protection
Provides coverage if someone is injured on your property or if you’re held responsible for accidental damage to someone else’s property.
Additional Living Expenses (ALE)
Covers temporary living costs if your home becomes uninhabitable due to a covered loss.

Tailored Policies to Fit Your Needs

No two homes or homeowners are alike, which is why we work closely with you to balance coverage options and deductibles. Whether you need protection for a single-family home, a condo, or a rental property, our agents will help you choose a policy that fits your unique needs and budget.

Why Choose Mid-State Insurance?

With over 35 years of experience serving Kent and Sussex counties, we understand the specific risks faced by Delaware homeowners. Our team is committed to helping you find the best coverage to safeguard your home and belongings.