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 a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: November 21, 2024 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 safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.Homeowners insurance in Delaware costs an average of $1,366 a year, according to Insure.com’s study. Read this guide to learn more about the average homeowners insurance rates in Delaware by insurance company and ZIP code. Key Takeaways Homeowners insurance costs an average of $1,366 a year, based on our 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 levelHomeowners insurance costs $1,366 a year in Delaware for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Delaware will increase to $1,709 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Delaware for dwelling coverage limits 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 determine rates based on risk factors. When calculating premiums, they consider your location, claims history, credit history and coverage limits.If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas 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 has the cheapest homeowners insurance rates in Delaware. Its average annual cost for Delaware homeowners is $981. State Farm and Allstate also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in Delaware with $300,000 in dwelling coverage, $100,000 in liability coverage, 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 DelawareHome insurance costs vary across different areas in Delaware. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 19808 ZIP code has the lowest home insurance rates in Delaware, at $991 annually or $83 per month.Here are the homeowners insurance rates for some of 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 DelawareYour ZIP code plays a significant role in determining the cost of your homeowners insurance. In Delaware, some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.In Delaware, 19944 has the highest homeowners insurance rates, at $2,218 per year.Here, we’ve highlighted 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 data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,204$1,375$1,366To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Delaware.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.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/YearWashington, D.C.$1,327/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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