Delaware has 1,021,191 residents. We list 35 agencies for accident & health insurance in Delaware. Here is what the local numbers say about the cover people here need.

Delaware at a glance

35accident & health insurance agencies listed
27%of households rentRenters insurance
$352,000median home valueHome insurance
1987median year homes were builtRebuild cost calculator
6.2%of households have no carAuto insurance
7%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Delaware

How many of Delaware’s 3 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Winter weather3 of 3 counties
Very High in New Castle County, Sussex County.
Coastal flooding2 of 3 counties
Very High in Sussex County.
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in every state
Strong wind2 of 3 counties
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Delaware
Hurricane1 of 3 counties
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Delaware
Inland flooding1 of 3 counties
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in every state
Lightning1 of 3 counties
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Delaware

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Delaware

Delaware requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10. It also requires personal injury protection ($15,000 per person, $30,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Delaware How much liability cover do you need?

Source: delcode.delaware.gov. Checked 2026-10-24.

Insurance companies Delaware agencies work with

Of the 35 Delaware agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Aetna22 agencies
UnitedHealthcare19 agencies
Medicare Advantage16 agencies
Centene15 agencies
Blue Cross Blue Shield12 agencies
Devoted Health Plan of Texas,9 agencies
Molina Healthcare of Texas,9 agencies
Humana8 agencies
SCAN Health Plan Texas,8 agencies
Mutual life carrier7 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Accident & Health insurance in Delaware

All insurance agencies in Delaware · Accident & Health insurance in every state

Where can I find accident & health insurance in Delaware?

Pick your city in the list on this page to see every agency there that offers accident & health insurance, or search by name or ZIP code.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Which insurance companies do Delaware agencies work with?

Among the 35 Delaware agencies whose appointments we hold, the companies they are most often appointed with are Aetna (22), UnitedHealthcare (19), Medicare Advantage (16), Centene (15), Blue Cross Blue Shield (12). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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