Located in the Mid-Atlantic States, Delaware boasts a prime location on the Atlantic Ocean and also features beaches on Delaware Bay. It shares borders with Maryland, New Jersey, and Pennsylvania. At Blue Hen Insurance LLC in Middletown, DE, we are an independent insurance agency that offers a high level of personal service. We are committed to ensuring that you have the appropriate home insurance to safeguard your Delaware home.
Flood Risk
A standard home policy doesn’t cover floods. You will need to secure coverage with a flood insurance policy. Delaware is highly susceptible to flooding, and with rising sea levels, the risk is expected to continue escalating. The National Flood Insurance Program provides flood insurance to residents in areas prone to floods.
Severe Thunderstorms and Hail
Delaware has experienced some of the most severe thunderstorms in its history in the last five years. To be classified as severe, a thunderstorm must produce hail of at least one inch in diameter or larger, and have winds over 58 miles per hour. These are most common in the spring and summer and are covered by standard home insurance policies.
Tornadoes
Since 1950, Delaware has experienced 78 tornadoes, 17 of which have occurred in the last 10 years. Most standard home insurance policies do cover damage caused by a tornado. However, flooding is not covered. It’s crucial to read your policy to see if there are any exclusions for tornadoes.
Hurricanes
Most home insurance policies will cover hurricane damage, but they may have a separate deductible, so be sure to discuss this with our agents.
Ice and Snow
Damage to your Delaware home caused by ice and snow will be included in a standard home policy.
In Middletown, DE, you can rely on our team at Blue Hen Insurance LLC. Reach out to us via call or email so that we can assist you with all your home insurance needs.
