Home Home insurance Renters insurance Renters insurance cost Average renters insurance cost in Delaware Average renters insurance cost in Delaware Discover the average cost of renters insurance in Delaware and how factors like location and coverage levels can impact your rate. 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. | Updated on: January 16, 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. In Delaware, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $181 annually or $15 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. Key Takeaways The average cost of renters insurance in Delaware is $181 per year or $15 per month.Cumberland Insurance provides the least expensive renters insurance in Delaware at an average rate of $104 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Delaware. Average renters insurance cost in Delaware per monthIn Delaware, the average cost of renters insurance is $15 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.Average renters ins cost per monthDifference compared to national average$15$7 lessAverage renters insurance cost in Delaware by companyAccording to our data, Cumberland Insurance provides the most affordable renters insurance in Delaware, with an average annual rate of $104, followed by State Farm and American Family.Getting quotes from multiple renters insurance companies in Delaware is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Delaware.CompanyAverage annual rateAverage monthly rateCumberland Insurance$104$9State Farm$125$10American Family$163$14Travelers$222$18Allstate$236$20 Renters insurance calculator in Delaware Select your state Delaware Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $170/year Estimated renters insurance rates in Delaware $14 Monthly renters insurance cost in Delaware -31% Compared to national average Get quotes Average cost of renters insurance in Delaware by coverage levelOn average, Delaware renters pay $181 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Delaware to $140 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Delaware for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$141$12$20,000 with $500 Deductible and $300,000 Liability$150$13$20,000 with $1,000 Deductible and $100,000 Liability$131$11$20,000 with $1,000 Deductible and $300,000 Liability$140$12$40,000 with $500 Deductible and $100,000 Liability$185$15$40,000 with $500 Deductible and $300,000 Liability$198$16$40,000 with $1,000 Deductible and $100,000 Liability$170$14$40,000 with $1,000 Deductible and $300,000 Liability$181$15$60,000 with $500 Deductible and $100,000 Liability$252$21$60,000 with $500 Deductible and $300,000 Liability$266$22$60,000 with $1,000 Deductible and $100,000 Liability$229$19$60,000 with $1,000 Deductible and $300,000 Liability$243$20Average cost of renters insurance in Delaware by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Delaware.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Delaware by cityDoverMiddletownNewarkSmyrnaWilmingtonAverage cost of renters insurance in Delaware by ZIP codeRenters insurance costs in Delaware vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in DelawareThe amount Delaware renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 19802 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $173.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Delaware.ZIP codeCityAverage annual rateAverage monthly rate19802Edgemoor$173$1419801Wilmington$174$1519701Bear$175$1519703Claymont$175$1519706Delaware City$175$1519713Brookside$175$1519720Bear$175$1519733St. Georges$175$1519809Bellefonte$175$1519730Odessa$175$15Least affordable ZIP codes for renters insurance in Delaware19930 is the most expensive ZIP code for renters insurance in Delaware, at an average cost of $209 annually or $17 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Delaware. The table below shows the average annual renters insurance rates by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate19930Bethany Beach$209$1719944Fenwick Island$208$1719967Millville$196$1619975Selbyville$196$1619971Dewey Beach$193$1619970Ocean View$192$1619958Lewes$191$1619966Long Neck$190$1619945Frankford$190$1619939Dagsboro$190$16Final thoughts: Average renters insurance in DelawareRenters insurance is a must for Delaware renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearWashington, D.C.$272/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Delaware Average homeowners insurance cost in Delaware Average car insurance cost in Delaware Non-owner auto insurance in Delaware Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles How much does dog liability insurance cost and do you need it? By Lena Borrelli Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Home insurance for older homes with knob and tube wiring By Erik Martin Hurricane insurance costs in Florida: What you should expect By Sarah Sharkey Guide to off-grid home insurance By Lena Borrelli Guide to the insurance claims history report (CLUE) By Shivani Gite On this page Average renters insurance cost in Delaware per monthAverage renters insurance cost in Delaware by companyAverage cost of renters insurance in Delaware by coverage levelAverage cost of renters insurance in Delaware by cityAverage cost of renters insurance in Delaware by ZIP codeFinal thoughts: Average renters insurance in Delaware ZIP Code Please enter valid ZIP See rates