A scenic view of a waterfront path in Delaware decorated for the holidays, featuring benches, trees with lights, and the city skyline in the background.

Delaware Insurance with The Della Agency

Protecting what matters most isn’t one-size-fits-all. At The Della Agency, we make sure your coverage fits your life, whether it’s your car on busy Wilmington streets, your home near Rehoboth, or the financial security of your loved ones. You can depend on Della to guide you through every step.

Serving these major areas and more:

  • Wilmington
  • Dover
  • Newark
  • Rehoboth Beach & Lewes
  • Middletown / Smyrna

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Delaware State Insurance Requirements & Recommendations

General liability is essential, and Delaware employers with one or more employees must carry workers’ compensation. Coverage can also include property, cyber liability, and business interruption.

Delaware requires drivers to carry minimum liability coverage of $25,000 per person / $50,000 per accident for bodily injury, and $10,000 for property damage. Many families choose higher limits for stronger protection.

Your condo association’s master policy usually stops at the walls. Condo insurance covers your unit’s interior and personal belongings.

Homeowners policies may limit coverage for valuable items (often $1,000 to $2,500). Special collectibles coverage protects higher-value antiques, art, or jewelry.

Most Delaware policies don’t cover floods or earthquakes. Flood coverage is especially important near the coast and rivers. Ask us what’s common in your county.

Coverage isn’t required, but many Delaware families choose at least 10x their annual income to protect their loved ones. Retirement planning often includes 401(k)s, IRAs, and annuities.

Delaware requires minimum liability coverage of $25,000 per person / $50,000 per accident for bodily injury, and $10,000 for property damage. Many riders add collision and medical payments for extra protection.

Especially valuable in higher-density or coastal areas where risks of lawsuits can be higher, an umbrella policy adds $1M+ of extra liability over auto and home policies.

Delaware has plenty of pet-friendly communities, so this coverage provides peace of mind for families with furry companions.

Landlords usually only insure the building, not your stuff. They typically require renters insurance, which protects your belongings and provides liability.

If your RV is motorized, you are required to have liability limits as you would a car – at least $25K/$50K for bodily injury and $10K for property damage, plus uninsured/underinsured motorist coverage. If it’s towable, then coverage can be added to your auto or home policy.