Skip to content
Insurance Pass
Start Free
State statute · Delaware

Property Insurance Contracts

Delaware Code Title 18 (Insurance Code) Chapter 41, Secs. 4101-4161

Publisher
Delaware General Assembly, Delaware Code Online
Edition
Delaware Code Online, current as served 2026-09-29
Last checked
2026-09-29
Status
Delaware Code, public domain
Edition and licensing notes

Publisher. Delaware General Assembly, Delaware Code Online (delcode.delaware.gov)

Status. Delaware Code, public domain (state government edict).

Read the official textPractice questions from this source

What this document is

Delaware Code Title 18 (Insurance Code) Chapter 41 - Property Insurance Contracts (Secs. 4101-4161) is a state statute published by Delaware General Assembly, Delaware Code Online (delcode.delaware.gov). It is one of the Delaware documents that insurance license exam questions are written from, including delaware property & casualty, delaware personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

  • 18 Del. C. § 4103(5)d. (Definitions; qualified property; unoccupied dwelling units)
    “For purposes of homeowners and insurance and fire protection insurance, no policy shall exclude a dwelling unit or personal property within the dwelling unit from coverage as being unoccupied if: 1. The unit is regularly maintained; 2. Utility services are available and in use; and 3. The unit...”
  • 18 Del. C. § 4124(5) (Discriminatory practices prohibited)
    “Based upon the fact that the applicant or named insured previously obtained insurance coverage through a residual market insurance mechanism.”
  • 18 Del. C. § 4157(a) (Notice to consumers)
    “If a consumer has no coverage under the NFIP, before placing the consumer applicant with private flood insurance, the consumer must be informed of the existence of the NFIP.”
  • 18 Del. C. § 4130(a)(1)a. (Nonrenewal)
    “Claims caused by weather, unless 3 or more such claims have been made against the policy during the 36 months immediately preceding the expiration of the current policy period; or”
  • 18 Del. C. § 4105(a) (Inspection)
    “Any person having an insurable interest in real and tangible personal property at a fixed location who has made a diligent effort to obtain basic property insurance in the normal insurance market shall be entitled upon request to an inspection of the property by representatives of the inspection bureau.”
  • 18 Del. C. § 4109(a) (Joint underwriting association)
    “After hearing and upon promulgation of an order by the Commissioner pursuant to § 4108 of this title, a joint underwriting association shall be created consisting of all insurers authorized to write and engaged in writing within this State, on a direct basis, fire and extended coverage insurance,...”
  • 18 Del. C. § 4103(1) (Definitions; basic property insurance)
    ““Basic property insurance” means insurance against direct loss to any property caused by perils as defined and limited in the standard fire policy and extended coverage endorsement as filed with the Commissioner.”
  • 18 Del. C. § 4121(a) (Definitions; declination)
    “For the purpose of this subchapter, the offering of insurance coverage with a company within an insurance group which is different from the company requested on the nonbinding application or written request for coverage or the offering of insurance upon different terms than requested in the...”
  • 18 Del. C. § 4122(a) (Notification and reasons for declination or termination)
    “Upon declining to insure any real or personal property subject to this subchapter, the insurer, agent, or broker making such declination shall either provide the insurance applicant with a written explanation of the specific reasons for the declination or an explanation will be provided within 21...”
  • 18 Del. C. § 4123(7) (Permissible cancellations)
    “After coverage has been in effect for more than 60 days or after the effective date of a renewal policy a notice of cancellation shall not be issued unless it is based upon at least 1 of the following reasons: (1) Nonpayment of premium; (2) Discovery of fraud or material misrepresentation made by...”
  • 18 Del. C. § 4125(b)(2) (Enforcement)
    “Issue a cease and desist order to restrain such person from engaging in practices which violate this subchapter; or b. Assess a penalty against such person of up to $500 for each violation of this subchapter.”
  • 18 Del. C. § 4158(a) (Cancellation and nonrenewal notice)
    “Notice of cancellation or nonrenewal, other than for nonpayment of premium, shall be made and provided in compliance with § 4122 of this title, provided that at least 45 days’ notice must be provided before the cancellation or nonrenewal of private flood insurance coverage to the insured.”

Practice this material

Delaware Property & Casualty practice testDelaware Personal Lines practice test

Questions about this source

Delaware Code Title 18 (Insurance Code) Chapter 41 - Property Insurance Contracts (Secs. 4101-4161) is a state statute published by Delaware General Assembly, Delaware Code Online (delcode.delaware.gov). Edition: Delaware Code Online, current as served 2026-09-29.

No. This page summarizes the document and links to the official version. Always rely on the text published by Delaware General Assembly, Delaware Code Online (delcode.delaware.gov) for the current law.

Practice questions for Delaware Property & Casualty, Delaware Personal Lines cite this document.

More Delaware sources

See all Delaware sources →