Please write about the different disasters in each state, types of home insurance coverage, and other related insurance info. Also, please write something short about 3 to 5 of the major cities in each state concerning home insurance. Example: “Miami home insurance rates tend to be higher than other cities in the state since it is quite often in the direct path of hurricanes.”

Delaware is a small state but is susceptible to big natural disasters that need to be covered by your Home Owners Insurance. With Delaware’s lengthy Atlantic coastline it is wide open to weather patterns that come from the Atlantic. These weather patterns can cause high winds and flooding in coastal areas. The cost of purchasing home owners insurance in Delaware compare to other states is low.

According to the State of Delaware website the most common natural disasters are Nor’easters, hurricanes and inland flooding. These natural disasters occur with regularity. Between the period of 1992-1996 there were six natural disasters that caused enough harm that they called for a presidential declaration of federal assistance.

Hurricanes can cause enormous property damage. High winds can knock down trees and send objects flying through the air cause unexpected damage. The rain from hurricanes can cause flood damage and then mold.

Natural disasters are not the only thing that Delaware home owners need to worry about. The borders of the state of Delaware are within a fifty mile range of four nuclear power plants, although Delaware itself has none.

In Delaware there are two types of home owners insurance the first is Broad (HO-2) and the second is Special (HO-3). Special (HO-3) is the most common type of insurance and covers many more situations than Broad (HO-2). You will need to obtain special coverage for floods and personal items. You can purchase flood insurance through the federal government or through a private company if it is available in your area.

The cost of flood insurance in Delaware can vary. The closer you live to the ocean the higher your rate will be. Cities like Bethany Beach and Rehoboth will have higher rates than inland cities like Newark and Georgetown. Sussex County has the highest homeowners insurance rates in Delaware because its coastline is the least protected from storms.

Make sure you shop around for your Delaware home owners insurance because different companies and different types of insurance have varying rates.