Delaware insurance regulator

The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.

Links checked Sep 12, 2026. Sites change — tell us if a link is broken.

This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.

Bodily injury liability, per person

$25,000

Bodily injury liability, per accident

$50,000

Property damage liability

$10,000

Personal injury protection (PIP)

PIP minimum $15,000 per person / $30,000 per accident

Uninsured motorist coverage

Insurers must offer it; you can reject it in writing

PIP is required, but Delaware does not limit lawsuits (add-on state). UM/UIM can be rejected in writing on the insurer's form.

Source: Delaware Code Title 21, Chapter 21, Subchapter I · 21 Del. C. § 2118; 21 Del. C. § 2902; 18 Del. C. § 3902 · Reviewed Sep 13, 2026

These state-established programs cover homes that private insurers won’t. They’re meant as a last resort: coverage is often more limited and can cost more, so shop the private market and ask an agent first. Eligibility rules vary.

• Delaware FAIR Plan FAIR Plan

  A basic dwelling policy covering fire, other named perils and vandalism.

  Where: Statewide

  Claims: 215-629-8800, option 2

Checked against each program’s website on Sep 13, 2026. Reviewed Sep 13, 2026.