Homeowners Insurance Comparison in Bear, Middletown & Smyrna, Delaware

For most homeowners in Delaware, your home is your biggest investment—and it deserves the right protection. If your home is damaged or destroyed, you want an insurance company that understands how important the place you call home truly is and settles your claim fairly and efficiently.

At Sheets Insurance Agency, we help you compare homeowner’s insurance options to find coverage that fits your needs. Our goal is to deliver the right balance of customized protection, dependable service, and competitive pricing.

*** Rental properties, vacant homes, and unoccupied homes are not covered under standard homeowner’s insurance policies. Instead, a specialty dwelling insurance policy is needed, and our agency can help you secure the appropriate coverage***

Whether you live in Bear, Middletown, Smyrna, or anywhere else in Delaware homeowners insurance is one of the most important policies you’ll ever purchase. And it’s essential to know that not all policies are the same. Coverage limits, endorsements, exclusions, and conditions can vary widely from one insurance company to another.

Delaware Homeowners Insurance You Can Understand

Without the guidance of an independent insurance agent in Delaware it can be difficult—if not impossible—to truly compare homeowners insurance policies and understand the differences.

Whether you own or rent, insuring your home helps protect you financially against losses caused by fire, theft, vandalism, and other covered events. It also provides liability protection if someone is injured on your property and you’re found legally responsible.

Homeowners insurance policies vary based on:

• The type of residence you own
• Credit Score and Insurance Score
• Prior Claims History
• Types of Losses that are covered
• Deductible Types

Common Homeowners Insurance Coverage’s

Most homeowner’s insurance policies include the following types of coverage:

Dwelling Coverage
This protects the main structure of your home. Replacement costs can change over time due to labor costs, material prices, and market conditions. We perform a detailed replacement cost analysis to ensure your home is properly insured if it ever needs to be rebuilt.

Other Structures
Covers structures not permanently attached to your home, such as fences, driveways, sidewalks, sheds, and detached garages. This coverage is typically set at 10% of your dwelling limit but can be increased if needed.

Personal Property
Protects your belongings—clothing, furniture, electronics, appliances, and more. Essentially, anything inside your home that isn’t part of the structure itself.

Loss of Use
Pays for additional living expenses if your home becomes uninhabitable due to a covered loss and you need to live elsewhere temporarily

Medical Payments
Covers medical expenses for guests injured on your property, and in some cases injuries that occur off your property. This coverage does not apply to members of your household.

Personal Liability Coverage
Provides protection if you’re found responsible for bodily injury or property damage to others. Coverage generally applies worldwide. Your liability limits should reflect your income and assets, and in some cases, an umbrella policy may be recommended for additional protection.

Water Back Up/Sump Pump Coverage
Water backup coverage is added to homeowners or renters insurance and it covers water damage resulting from a failed sump pump, sewer line backup, or overflowing drains/toilets. It typically pays for water cleanup, drying, and damage to floors, walls, and personal property. 

The team at Sheets insurance goes the extra mile to ensure our customers received the best price with the best coverage every time.