Georgetown Insurance Rates:

Georgetown, DE homeowners insurance is roughly $651 to $891, about $54-$74/month. Our detailed analysis shows customers can save as much as $308 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Georgetown, DE Homeowners Insurance By Home Value

Georgetown, DE Home Value Total Homes % of Total Average Georgetown, DE Homeowners Insurance
Less than $50,000 316 12.0% $84
$80,000 to $89,999 59 2.0% $300
$100,000 to $124,999 190 7.0% $385
$125,000 to $149,999 237 9.0% $485
$150,000 to $174,999 222 8.0% $578
$175,000 to $199,999 234 9.0% $663
$200,000 to $249,999 499 19.0% $801
$250,000 to $299,999 417 16.0% $979
$300,000 to $399,999 396 15.0% $1249

Top Home Insurance Agents Near Georgetown, DE

Home Insurance Company Near Georgetown, DE Homeowners Insurance Agency Near Georgetown, DE Address
State Farm Charlie Huber 19 S 3rd St Ste 1, Denton, MD, 21629-1252
State Farm Frank Divilio 615 Railroad Ave, Centreville, MD, 21617-1144
State Farm Karen Davis 2420 N Salisbury Blvd Unit 9, Salisbury, MD, 21801-2189
Nationwide Michael J Wilkinson 223 S Dupont Blvd STE 1, Smyrna, DE, 19977-1550
State Farm Rob Gleason 1602 Route 47 Unit C, Rio Grande, NJ, 8242

Cost Of Homeowners Insurance By Street Near Georgetown, DE

Streets in Georgetown Area Homeowners Insurance Cost
French Rd, Pie Ln, Rd 622, W Pine St, Rd 432, 9N-202, Deer Run Rd, Bayhill Dr, 7P-100, Pine Hurst Dr$783
Deer Forest Rd, Tranquility Ln, Lemos Ln, White Pine Ln, Huckleberry Ln, Bayberry St, Nancy St, Gray Ln, Truitt Ave, Black Duck Way$769
Racoon Ditch Rd, Nelson Ave, Clover Dr, Wood Branch Rd, Canvasback Ln, Lynchs Ln, Ebony St, N Dupont Hwy, Stillwater Ct, Rd 523$765
Rd 519, Rd 244, Depot St, That Way, Dixie Ct, Rd 325, Dennis and Dennis Farm Ln, Dupont Hwy, Rd 245, Substation Rd$769
Saddlebrook Dr, Cokesbury Rd, S Bedford St, Rd 522A, Strawberry Aly, Rte 62, Rowland Ln, Walter St, Zen Ln, Rd 517$785

Georgetown, DE Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Georgetown$114 to $116
Sussex County$116
Milton$119
Ellendale$112

Georgetown, DE Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Sussex County, Delaware $97 $129 $194
Milton CCD, Sussex County, Delaware $99 $132 $198
Ellendale town, Delaware $94 $125 $188

Georgetown, DE Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Georgetown, DE5.1%17.0%
Sussex County4.4%14.86%
Milton4.07%14.14%
Ellendale5.21%14.39%

Georgetown Renters Insurance as a Percentage of Rent

Georgetown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 39 3.0% $801
$300 to $499 250 19.0% $1251
$500 to $749 205 16.0% $1926
$750 to $999 213 16.0% $2676
$1,000 to $1,499 355 27.0% $3801
$1,500 or more 213 16.0% $5451

Georgetown, DE Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Georgetown Homeowner Insurance Premium Example $1,600$1,200
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $13,700$12,500
Net Savings to Georgetown Home Owner from High Deductible Plan $1,200

Georgetown, DE Home Insurance Costs With Home Replacement Value Scenarios

Scenario Georgetown, DE Home Replacement Value MORE than Home Value Georgetown, DE Home Replacement Value LESS than Home Value
Replacement Value $243,500 $167,500
Insurance Premium based on Replacement Value $800 $550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $39,000 Risk Exposure from Under Insuring Coverage is $37,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $125/year

Example Georgetown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateState FarmAmica Mutual Insurance Company
Monthly Premium 5457195
Year Built 201120091997
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$175000-$200000$600000-$700000
Deductible $5000 to $10,000 Deductible$500 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Georgetown, DE from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 235,000 Tile Roof 1,680 3 $2500-$5000 Deductible 510 7 Stucco siding No
1980 315,000 Composition Roof 2,550 5 $500- $1000 Deductible 500 6 Stone Siding yes
1994 225,000 Composition Roof 2,200 3 > $10,000 Deductible 560 12 Vinyl siding yes
2004 205,000 Wood Shake Roof 1,450 3 $500 Deductible 410 7 Wood siding yes
2007 180,000 Asphalt Shingles Roof 1,800 4 $1000-$2500 Deductible 60 1 Brick siding No
2014 265,000 Membrane Roof 2,430 4 $2500-$5000 Deductible 50 1 Brick siding yes
1981 270,000 Asphalt Shingles Roof 2,510 4 $2500-$5000 Deductible 370 7 Stone Siding yes
2006 145,000 Membrane Roof 1,480 3 $500 Deductible 620 10 Brick siding yes
1986 365,000 Slate Shingles Roof 2,750 4 $500 Deductible 640 7 Vinyl siding No
2014 265,000 Shingles Roof 2,010 4 $500- $1000 Deductible 460 7 Fiber-Cement Siding No
1984 200,000 Slate Shingles Roof 1,590 3 $500- $1000 Deductible 680 12 Brick siding yes
2012 140,000 Composition Roof 1,290 3 $2500-$5000 Deductible 30 1 Stone Siding No
2000 230,000 Tile Roof 1,870 5 $5000 to $10,000 Deductible 660 12 Stucco siding yes
1999 410,000 Asphalt Shingles Roof 3,370 4 > $10,000 Deductible 230 3 Fiber-Cement Siding yes
2006 210,000 Shingles Roof 2,170 5 $1000-$2500 Deductible 530 7 Brick siding No
1991 360,000 Wood Shake Roof 2,630 4 > $10,000 Deductible 340 6 Wood siding No
1985 335,000 Asphalt Shingles Roof 2,810 4 > $10,000 Deductible 280 5 Fiber-Cement Siding No
2011 260,000 Metal Roof 2,480 5 $2500-$5000 Deductible 570 9 Fiber-Cement Siding yes
1982 195,000 Metal Roof 1,760 4 $500 Deductible 160 3 Wood siding yes
1993 225,000 Tile Roof 2,310 3 > $10,000 Deductible 250 7 Stone Siding No
1986 415,000 Asphalt Shingles Roof 3,250 5 $5000 to $10,000 Deductible 260 3 Fiber-Cement Siding No
2012 200,000 Membrane Roof 1,620 3 $1000-$2500 Deductible 300 7 Vinyl siding yes
2005 640,000 Membrane Roof 4,690 5 $500 Deductible 1730 10 Wood siding yes
1996 330,000 Slate Shingles Roof 2,570 5 > $10,000 Deductible 540 8 Fiber-Cement Siding yes
1981 400,000 Wood Shake Roof 3,320 4 > $10,000 Deductible 400 5 Stucco siding No
1980 555,000 Shingles Roof 4,460 5 $2500-$5000 Deductible 370 2 Vinyl siding No
1997 165,000 Wood Shake Roof 1,380 3 $2500-$5000 Deductible 200 4 Stucco siding No
2007 520,000 Slate Shingles Roof 3,740 5 $2500-$5000 Deductible 330 3 Brick siding yes
1982 325,000 Tile Roof 2,520 4 $5000 to $10,000 Deductible 140 2 Wood siding yes
2011 215,000 Wood Shake Roof 2,200 3 $500 Deductible 550 8 Fiber-Cement Siding yes