Boat & Watercraft in Delaware
Hull, liability, and wreck-removal coverage. Homeowners policies cover only small craft, and only barely.
What is different in Delaware
Delaware requires personal injury protection alongside liability, which changes how a quote comparison should be presented — a lower liability limit does not make a Delaware policy cheap. Sussex County coastal exposure drives named-storm deductibles and separate flood placement.
Exposures that shape pricing here
- hurricane
- nor easter
- flood
- coastal erosion
Boat & Watercraft reading
- Buying guides
How to choose an insurance agent
Anyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.
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Homeowners insurance explained: the six parts of the policy
A home policy is six coverages, and the first one silently sets the size of three others. Here is how the structure works and where it goes wrong.
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Flood insurance explained
A separate policy for the peril your home policy excludes. What it covers, what it does not, and the waiting period that catches people out.