Kent County Insurance Rates:

Kent County, DE homeowners insurance is roughly $652 to $884, about $54-$73/month. Our in depth guide reveals consumers can save upto $307 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Methods to Lower your Home Insurance cost in Kent County, DE

As a homeowner in Kent County, Delaware, you know that you must insure your home against various risks. But what exactly does home insurance cover? And how much coverage do you need? Home insurance is a type of property insurance that protects your home and belongings in case of a covered loss. A covered loss is typically something out of your control, like a fire or a windstorm. Home insurance can help you repair or replace your home and belongings if they are damaged or destroyed in a covered loss.

In Kent County, Delaware, the average cost of homeowner's insurance is $689. Homeowner's insurance premiums may vary from one city to another. It also depends on a number of other variables, including the deductible, level of coverage, prior claims, age and location of the house, and more. Below are a few methods to reduce the cost of your Kent County, Delaware home insurance.

1. By Choosing a Higher Deductible

Choosing a higher deductible on your home insurance policy can help to reduce your costs in Kent County, Delaware. By doing so, you are essentially taking on more of the financial responsibility for any damages that may occur to your home, which can help to lower the overall cost of your policy. Of course, it is important to make sure that you are comfortable with the amount of the deductible you choose, as you will be responsible for paying it if you need to make a claim. For deductibles of 1500 and 2000, homeowners in Kent County, Delaware, pay premiums of $579.72 and $526.26, respectively. However, households with a $500 or $1,000 deductible pay $680.73 and $615.83, respectively. Therefore, in Kent County, Delaware, the premium is lower the larger the deductible.

Refer to the chart below to know the amount paid by the homeowners for choosing a higher deductible in Kent County, DE.

2. By Installing Security Features

There are several ways to help reduce the cost of your home insurance in Kent County, DE.   One way to do this is by installing security features in your home. This can include things like a burglar alarm, security cameras, and deadbolt locks. These security features can help deter criminals and lower the risk of your home being broken into, which can help reduce your insurance rates. Homeowners in Kent County, DE, who install security precautions like deadbolts and smoke alarms pay $613.21 and $633.88 for home insurance. The cost of homeowners insurance for Kent County, DE residents with sprinkler and fire alarm systems is $647.66.

3. By Maintaining a Zero Claims History

A zero claims history will help to reduce the home insurance costs in Kent County, DE, because insurance companies will see that you are a responsible homeowner who doesn't file claims often. This will help to lower your premium because you are less of a risk to the insurer. Also, be sure to shop around for the best rates and coverage for your needs. Homeowners who have not filed any claims must pay a premium of $592.54 in Kent County, while rates for those who have filed one or two claims are $751.01 and $778.57, respectively. The best way to keep your premiums low is to avoid claiming in the first place.

Kent County, DE Homeowners Insurance By Home Value

Kent County, DE Home Value Total Homes % of Total Average Kent County, DE Homeowners Insurance
Less than $50,000 4,148 10.0% $92
$70,000 to $79,999 479 1.0% $276
$80,000 to $89,999 467 1.0% $314
$90,000 to $99,999 667 1.0% $353
$100,000 to $124,999 2,308 5.0% $407
$125,000 to $149,999 2,602 6.0% $514
$150,000 to $174,999 4,421 11.0% $606
$175,000 to $199,999 4,611 11.0% $698
$200,000 to $249,999 7,527 19.0% $837
$250,000 to $299,999 6,189 15.0% $1029
$300,000 to $399,999 5,156 13.0% $1305

Top Home Insurance Agents Near Kent County, DE

Home Insurance Company Near Kent County, DE Homeowners Insurance Agency Near Kent County, DE Address
NA A L Watson Insurance & Financial Agency 7 Latimer Dr , Wilmington, DE, 19805
Liberty Mutual Christopher Chagnard 651 N Broad St. Suite 308, Middletown, DE, 19709
Liberty Mutual Independent K T & D Inc 1300 N GRANT AVE STE 210, WILMINGTON, DE, 19806
Nationwide Kent Insurance Agency Inc 7332 Church Hill Rd, Chestertown, MD, 21620-2806
State Farm Kevin Jordan 206 Route 40 # Us, Carneys Point, NJ, 08069-5020

Kent County, DE Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Kent County, DE

Streets in Kent County Area Homeowners Insurance Cost
Pine Cone Dr, Fred Cir, Rd 95, Mocassin Path, Arctic Ln, Diemidio Dr, S Bay Rd, Shorts Landing Rd, Ingram St, Ivy Hall$767
William St, Clayton Ave, Driftwood Ct, Leena Ln, Dandelion Dr, Rd 433, S High St, Rd 171, Robbins Dr, E Main St$784
Chipman Dr, Zelkova Ct, Rd 37, Independence Blvd, Co Rd 196, Saxton Rd, Rd 132, Bacon Ave, S Basset St, Norman Cir$759
Glenda Rd, Carpenter St, Persimmon Tree Ln, Peregrine Pl, Aria Ct, Dolomite Ct, Trumpeter Swan Way, Sandtown Rd, Proctors Purchase Rd, Rd 316$772
Deer Valley Rd, Medallion Cir, Lenora Dr, Bay Cir S, Klein Ct, Stuffs Cove, Tiburan Ct, Halsey Rd, Carnation Dr, Lebanon Rd$774
Co Rd 161, Reed St, Red Timber Ln, Red Fox Ln, Rd 425, Cedar Ln, Rd 289, Rd 371, Rd 116, Laks Ct$766
George Davis Dr, Tallowick Ln, Wayne D Ave, Alberta Ct, Cider Run, Hammondtown Rd, Sportsman Rd, Gravelly Run Branch Rd, Murderkill Ave, Kentland Ave$755
N Timothy Ct, Highland Ave, Arkansas Dr, Rd 215, Friendship Way, Sunset Dr, Rd 217, Ponderosa Dr, Oak Dr, Chateau Dr$754
W Pembrooke Dr, Smokey Ln, Jefferic Blvd, Plain Dealing Rd, Rd 114, Katherine Dr, Bear Pond Rd, Ella Ln, Evergreen Dr, Dickerson St$760
E Clarendon Dr, Frenchs Ln, Ancestors Pl, Haman Dr, The Mead, Goochs Ln, Wyoming Mill Rd, Old Forge Dr, Mulberrie Point Rd, Cathleen Dr$754

Kent County, DE Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Kent County$115 to $117
Rising Sun-Lebanon$117
Kent Acres$114

Kent County, 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
Rising Sun-Lebanon CDP, Delaware $98 $131 $196
Highland Acres CDP, Delaware $98 $130 $195
Magnolia town, Delaware $94 $125 $188

Kent County, 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
Kent County, DE4.2%16.1%
Rising Sun-Lebanon3.88%15.67%
Highland Acres4.11%14.32%

Kent County Renters Insurance as a Percentage of Rent

Kent County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 406 2.0% $354
$200 to $299 528 3.0% $804
$300 to $499 1,061 7.0% $1254
$500 to $749 2,657 18.0% $1929
$750 to $999 3,594 24.0% $2679
$1,000 to $1,499 4,949 33.0% $3804
$1,500 or more 1,525 10.0% $5454

Average Cost Of Home Insurance By Company In Areas Nearby Kent County For Different Scenarios

Coverage Construction type Age of home Company Premium Deductible
500,000 Brick/masonry construction 10 years old California Casualty 1,577 500
150,000 Brick/masonry construction 25 years old Goodville Mut Cas Co 321 1000
500,000 Frame construction 10 years old Ngm Insurance Company 2,424 500
150,000 Frame construction 10 years old State Farm Fire And Cas Co 710 1000
500,000 Frame construction 25 years old The Hartford 1,845 500
350,000 Brick/masonry construction 10 years old Usaa Casualty Insurance Company 902.66 1000

Latest Home Insurance Reviews by Location

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