Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Delaware Average homeowners insurance cost in Delaware Homeowners insurance in Delaware costs $1,366 per year or $114 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, Delaware homeowners insurance costs $1,366 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Delaware. Key Takeaways Homeowners insurance costs an average of $1,366 a year, based on Insure.com analysis.Of all the ZIP codes in Delaware, 19808 has the most affordable home insurance rates at around $991 annually.In Delaware, Cumberland Insurance provides the most affordable home insurance at an average annual premium of $981. Average home insurance cost in Delaware by coverage levelThe average cost of homeowners insurance in Delaware is $1,366 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $1,709 per year for homeowners insurance in Delaware for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Delaware for dwelling coverage of $300,000, $400,000 and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$1,061 $88 $200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$1,078 $90 $300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$1,366 $114 $300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$1,384 $115 $400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$1,709 $142 $400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$1,729 $144 $600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$2,449 $204 $600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$2,474 $206 $1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$3,853 $321 $1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$3,886 $324 Homeowners insurance companies in Delaware decide rates based on risk. They consider your location, claims history, credit history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in DelawareIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in Delaware using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Delaware. Based on the analysis, Cumberland Insurance received the lowest NAIC score and A+ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreCumberland Insurance$981A+0.185American Family$1,566A0.373.84State Farm$1,115A++0.953.65Allstate$1,253A+0.93.47Travelers$1,913A++0.543.25Average homeowners insurance cost by company in DelawareCumberland Insurance provides the most affordable homeowners insurance in Delaware, with an average annual premium of $981. State Farm and Allstate also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in Delaware with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.Company Average annual rate Average monthly rateCumberland Insurance$981$82State Farm$1,115$93Allstate$1,253$104American Family$1,566$131Travelers$1,913$159Delaware homeowners insurance rates by ZIP codeInsurance companies in Delaware assess the risk associated with a specific location. ZIP codes prone to higher crime rates or frequent natural disasters are often classified as high-risk areas, which can lead to increased insurance premiums. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a homeowners insurance policy.Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Delaware. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in DelawareHomeowners insurance costs in Delaware can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 19808 area has the most affordable insurance rates, at $991 annually or $83 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Delaware.ZIP codeAverage annual rateAverage monthly rate19808$991$8319804$1,052$8819707$1,057$8819711$1,065$8919810$1,069$8919733$1,075$9019803$1,080$9019701$1,082$9019713$1,084$9019702$1,085$90Most expensive ZIP codes for home insurance rates in DelawareIn Delaware, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.Homeowners in 19944 ZIP pay the highest insurance rates in Delaware, with an average annual premium of $2,218.Below is a list of some of the most expensive ZIP codes in Delaware for homeowners insurance.ZIP codeAverage annual rateAverage monthly rate19944$2,218$18519930$2,207$18419971$1,968$16419970$1,920$16019939$1,891$15819958$1,874$15619966$1,837$15319945$1,832$15319967$1,773$14819951$1,720$143Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Delaware by cityDoverMiddletownNewarkSmyrnaWilmingtonHome insurance rate trend in DelawareWe analyzed home insurance rate trends in Delaware and found that homeowners insurance rates experienced an overall decrease of only 1% or $9, from 2022 to 2023.The following data highlights the changes in homeowners insurance rates since 2019.2019 rates2022 rates2023 rates$1,204$1,375$1,366Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in Delaware.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Delaware Average renters insurance cost in Delaware Average car insurance cost in Delaware Non-owner auto insurance in Delaware How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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