The average cost of homeowners insurance in Delaware is $875 per year, or about $73 per month, according to a NerdWallet analysis. That’s significantly less than the national average of $1,820 per year.
We’ve analyzed rates and companies across the state to find the best homeowners insurance in Delaware.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state. Even if an insurer serves your state, it may not write policies for all homes in all areas.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.
We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
The best homeowners insurance in Delaware
If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies.
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
*USAA homeowners policies are available only to active military, veterans and their families.
More about the best home insurance companies in Delaware
See more details about each company to help you decide which one is best for you.
State Farm
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Well-established insurer with a lengthy list of coverage options.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
User-friendly website.
Agents offer personalized service.
Policies generally include extra coverage for your home’s structure.
Fewer discounts than some other insurers.
Includes more generous dwelling coverage in standard policies than many other insurers do.
State Farm
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Well-established insurer with a lengthy list of coverage options.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
User-friendly website.
Agents offer personalized service.
Policies generally include extra coverage for your home’s structure.
Fewer discounts than some other insurers.
Includes more generous dwelling coverage in standard policies than many other insurers do.
America’s largest home insurer celebrated its 100th anniversary in 2022. One useful endorsement you may be able to add to a State Farm policy is an inflation guard rider, which automatically increases your policy limits to make sure your coverage doesn’t fall short.
Chubb
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Perks and high coverage limits for affluent homeowners.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Significantly fewer consumer complaints than expected for a company of its size.
Standard coverage includes features that many companies only offer as extras.
Large number of discounts.
Tends to be more expensive than other insurers.
Most consumers aren’t able to get a quote online and will instead need to contact a local agent.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Perks and high coverage limits for affluent homeowners.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Significantly fewer consumer complaints than expected for a company of its size.
Standard coverage includes features that many companies only offer as extras.
Large number of discounts.
Tends to be more expensive than other insurers.
Most consumers aren’t able to get a quote online and will instead need to contact a local agent.
Chubb generally serves affluent policyholders with high-value homes, offering lofty coverage limits and plenty of perks. For example, the company covers water damage from backed-up sewers and drains, and pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)
If you insure a secondary or seasonal home in Delaware with Chubb, you can sign up for the company’s Property Manager service at no charge. With this service, a Chubb representative will inspect your home after a hurricane, report its condition to you, submit a claim on your behalf and help prevent further damage.
Nationwide
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Offers some coverage standard that other companies charge extra for.
Lots of discounts available.
Website offers lots of useful features and information.
Doesn’t insure mobile or manufactured homes.
Nationwide’s policies are widely available across the country and offer a variety of useful coverage choices. The company also has a robust list of discounts to help you save on your policy.
Nationwide
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Offers some coverage standard that other companies charge extra for.
Lots of discounts available.
Website offers lots of useful features and information.
Doesn’t insure mobile or manufactured homes.
Nationwide’s policies are widely available across the country and offer a variety of useful coverage choices. The company also has a robust list of discounts to help you save on your policy.
We like Nationwide for its wide variety of coverage options. For example, its standard homeowners insurance policy generally includes ordinance or law coverage, which can help pay to bring your home up to current building codes after a covered claim. You can add other coverage for things like identity theft and damage from backed-up sewers and drains.
Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.
Travelers
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Strong coverage and decent discounts.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
User-friendly features on website and app.
Discounts for eco-friendly homeowners.
Doesn’t insure mobile or manufactured homes.
One of the largest home insurers in the nation, Travelers may especially appeal to eco-conscious homeowners looking to score discounts for owning a new or “green” home.
Travelers
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Strong coverage and decent discounts.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
User-friendly features on website and app.
Discounts for eco-friendly homeowners.
Doesn’t insure mobile or manufactured homes.
One of the largest home insurers in the nation, Travelers may especially appeal to eco-conscious homeowners looking to score discounts for owning a new or “green” home.
Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments and learn about insurance basics.
Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.
USAA
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Offers perks and affordable rates for the military community.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
Below average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Policies include standard coverage that often costs extra elsewhere.
Far fewer customer complaints to state regulators than expected for a company of its size.
Average rates are below the national average, according to NerdWallet’s analysis.
Available only to active military members, veterans and their families.
With generous coverage at rates below the national average, USAA offers good value for homeowners.
USAA
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Offers perks and affordable rates for the military community.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
Below average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Policies include standard coverage that often costs extra elsewhere.
Far fewer customer complaints to state regulators than expected for a company of its size.
Average rates are below the national average, according to NerdWallet’s analysis.
Available only to active military members, veterans and their families.
With generous coverage at rates below the national average, USAA offers good value for homeowners.
USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.
For example, USAA automatically covers your personal belongings on a “replacement cost” basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.
How much does homeowners insurance cost in Delaware?
The average annual cost of home insurance in Delaware is $875. That’s 52% less than the national average of $1,820.
In most U.S. states, including Delaware, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Delaware, those with poor credit pay an average of $1,815 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 107% more than those with good credit.
Average cost of homeowners insurance in Delaware by city
How much you pay for homeowners insurance in Delaware depends on where you live. For instance, the average cost of home insurance in Wilmington is $725 per year, while homeowners in Dover pay $790 per year, on average.
The cheapest home insurance in Delaware
Here are the insurers we found with average annual rates below the Delaware average of $875.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
3.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
4.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
What to know about Delaware homeowners insurance
Delaware can see a range of severe weather that can spell disaster for homeowners. When looking for homeowners insurance in Delaware, consider the risk of coastal storms, flooding and hail.
Hurricanes and wind damage
Hurricanes and coastal storms can cause significant damage to properties, even if they don’t make landfall. Delaware is particularly vulnerable to coastal flooding and damage from high winds, as it is surrounded by water on three sides. Pay attention to your wind and flood coverage so you can make sure you have enough coverage for the damage these tropical storms can bring.
Your policy may have separate deductibles for hurricane and wind damage. Suppose your policy has a $1,000 deductible for most claims and a 2% deductible for wind claims. If your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $5,000 of wind damage yourself.
Flooding
Coastal storms, snow melt and heavy rains can all cause flooding in Delaware. Standard homeowners insurance will not cover flood damage, which means people in at-risk areas should consider buying separate coverage.
To find out your risk, check out the Federal Emergency Management Agency’s flood maps and RiskFactor.com, a website from the nonprofit First Street Foundation. Even if your property is deemed low risk, it may be worthwhile to purchase flood insurance for extra peace of mind.
Homeowners in flood-prone areas may need to purchase separate flood insurance. Remember that while you can purchase flood coverage at any time, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods.
Thunderstorms and hail
While Delaware weather is often mild, severe thunderstorms bring strong wind and hail, which can cause extensive damage to roofs, siding or windows. Standard policies generally cover storm damage but keep in mind that, as with wind, hail damage may have a separate deductible.
Delaware insurance department
The Delaware Department of Insurance oversees the state’s insurance industry. In addition to providing consumer information, the agency’s website is also a resource if you’re having a dispute with your insurer. You can file a complaint using its online form. You can also reach out to the department with questions or to get support with your complaint at 800-282-8611 or [email protected].
Frequently asked questions
Is homeowners insurance required in Delaware?
Homeowners insurance is not required by Delaware state law. However, your lender may require you to purchase homeowners insurance.
Does Delaware homeowners insurance cover flooding?
Standard homeowners insurance in Delaware does not cover flooding. If you live in a high-risk area, you should consider buying a separate flood insurance policy.
How can I save money on homeowners insurance in Delaware?
There are several ways to save money on home insurance in Delaware:
Shop around to make sure you’re getting the best rate.
Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.
Is homeowners insurance required in Delaware?
Homeowners insurance is not required by Delaware state law. However, your lender may require you to purchase homeowners insurance.
Does Delaware homeowners insurance cover flooding?
Standard homeowners insurance in Delaware does not cover flooding. If you live in a high-risk area, you should consider buying a separate flood insurance policy.
How can I save money on homeowners insurance in Delaware?
There are several ways to save money on home insurance in Delaware:
Shop around to make sure you’re getting the best rate.
Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.
Bundle your home and auto insurance for a lower overall rate. See the
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