Average homeowners insurance cost in Delaware

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The average cost of home insurance in Delaware is $1,366 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. Cumberland Insurance stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Based on our data, homeowners insurance in Delaware costs an average of $1,366 per year.
Among all ZIP codes in Delaware, 19808 has the most affordable rates, averaging around $991 annually.
For the lowest insurer rates in Delaware, Cumberland Insurance comes in at an average annual premium of $981.

What is the average cost of homeowners insurance in Delaware?

The average homeowners insurance premium in Delaware is $1,366 per year. That figure is based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Delaware? Cost by coverage level

Homeowners insurance in Delaware costs $1,366 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and 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 a $1,000 deductible.

The table below shows average homeowners insurance costs in Delaware for dwelling coverage from $200,000 to $1 million.

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

Average home insurance cost in Delaware by insurer

Cumberland Insurance has the lowest average homeowners insurance premiums in Delaware at $981 per year. State Farm and Allstate also offer competitive rates worth comparing.

Taking the time to shop around can save you a significant amount each year.

The table below shows average annual and monthly rates from insurers in Delaware, based on $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Cumberland Insurance	$981	$82
State Farm	$1,115	$93
Allstate	$1,253	$104
American Family	$1,566	$131
Travelers	$1,913	$159

How to lower your home insurance rate

Shop around. A single quote won’t tell you much. Comparing rates from three or four different insurers in Delaware is the surest way to find a competitive price.
Bundle your policies. Pairing home and auto insurance, or renters and auto, with the same provider is a straightforward way to qualify for multi-policy discounts.
Ask about smart home discounts. Home security systems, smoke detectors, and leak detection devices are upgrades that many insurers reward with lower premiums.
Check for other savings. It’s worth asking your insurer about loyalty discounts, claims-free incentives, and credits for improvements like fire-resistant roofing materials.

How does your ZIP code affect home insurance rates in Delaware?

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across Delaware.

Most affordable ZIP codes for home insurance in Delaware

19808 has the lowest average home insurance rates in Delaware, with homeowners paying around $991 per year.

Home insurance rates aren’t uniform across Delaware. Your ZIP code, in particular, is one of the biggest reasons prices differ from one area to the next.

Below are average rates for some of the most affordable ZIP codes in Delaware.

ZIP code	Average annual rate	Average monthly rate
19808	$991	$83
19804	$1,052	$88
19707	$1,057	$88
19711	$1,065	$89
19810	$1,069	$89
19733	$1,075	$90
19803	$1,080	$90
19701	$1,082	$90
19713	$1,084	$90
19702	$1,085	$90

Most expensive ZIP codes for home insurance in Delaware

At the other end of the spectrum, 19944 has the highest average rates in Delaware at $2,218 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in Delaware.

ZIP code	Average annual rate	Average monthly rate
19944	$2,218	$185
19930	$2,207	$184
19971	$1,968	$164
19970	$1,920	$160
19939	$1,891	$158
19958	$1,874	$156
19966	$1,837	$153
19945	$1,832	$153
19967	$1,773	$148
19951	$1,720	$143

Home 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 city

See rates in your city

What are the best homeowners insurance companies in Delaware?

Our data points to Cumberland Insurance as the best overall pick in Delaware, thanks to its AM Best rating of A+ and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in Delaware compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Cumberland Insurance	$981	A+	0.18	5
American Family	$1,566	A	0.37	3.84
State Farm	$1,115	A++	0.95	3.65
Allstate	$1,253	A+	0.9	3.47
Travelers	$1,913	A++	0.54	3.25

How to understand insurer ratings and complaint data

A good insurer answers two questions well: Can it pay your claim, and does it keep its customers happy? Independent rating agencies measure both, giving you an evidence-based way to compare your options.

The two ratings referenced here:

AM Best, which assesses an insurer’s financial strength and capacity to pay claims. Higher ratings indicate greater financial stability.
NAIC Complaint Index, compiled by the National Association of Insurance Commissioners from consumer complaint data. The baseline is 1.00 – a lower score means fewer complaints than expected for the insurer’s size, and a higher score means more.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and methodology

Source

S&P Global. US homeowners insurance rates jump by double digits in 2023. Accessed June 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 20,739,560 quotes from 82 national and regional insurers across 34,588 ZIP codes.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

Company rankings factor in average annual cost, NAIC score, and AM Best rating. All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.