Compare 19805 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 19805 area? The average homeowners premium in Delaware for a standard homeowners policy is around $641/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 19805 zip code, the population size is around 39,985 with 15,745 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 19805.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Wilmington, DE Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. DE Rate	Discounts	Savings	Shop Rates
$907	up to 40% off	$363	Get Wilmington, DE Rates!

19805 Home Insurance Average Premiums

Local 19805 homeowners insurance quotes comparison

$391 /yr.

Shows Zip Code: 19805 lowest rates with discounts applied on average.

For the 19805, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$391 /yr.
Average Coverage:	$641 /yr.
2600 sq. ft. or higher (all discounts applied)	$941 /yr.

What is the average home insurance cost for a home in 19805?

• The average homeowners insurance premium paid annually for a home in 19805 is around $641 per year.

What does it cost on average per month for home insurance in 19805?

• Homeowners in 19805 pay a monthly average cost per month around $53.00.

What kind of discount could I get if I combine my home and auto insurance together in 19805?

• Autoowners in 19805 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Wilmington area, check out other zip codes nearby 19805.
Review average rates in another zip code:
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19806 homeowners insurance rates
19809 homeowners insurance rates
19802 homeowners insurance rates

Home Replacement Cost Coverage in 19805

Average Building Cost Per Square Foot in 19805: $149

Location: Wilmington, Delaware (New Castle County)

Average Square Footage in 19805: 1,221 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 19805 before you start any project. Wilmington homeowners pay on average around $149 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 19805 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 19805 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,221 sq. ft. and the average cost to rebuild the home in this area is around $149 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Wilmington area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$149	1,221	$181,900
Additional Upgrades & Added Features	$186	1,221	$227,375
Major Home Updates or Advancements	$224	1,221	$272,850

Calculate Your Dwelling Coverage in 19805

It's important to understand that when you estimate your replacement cost of your home in the 19805 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Home & Auto Insurance Agencies in 19805

ACE Cash Express

Address: 1901 W 4th St Wilmington, DE 19805
Phone:
Website: http://www.national.citysearch.com/profile/667696900/wilmington_de/ace_cash_express.html
Info:

Heckman Insurance

Address: 1923 W 4th St Wilmington, DE 19805
Phone:
Website:
Info:

Joyner- Christopher

Address: 1033 N Lincoln St Wilmington, DE 19805
Phone:
Website:
Info:

Clifford C Walker - Nationwide Insurance

Address: 2811 Centre Rd Wilmington, DE 19805
Phone:
Website: http://www.national.citysearch.com/profile/external/2192703/wilmington_de/clifford_c_walker_nationwide_insurance.html
Info:

William L. Mc Culley Agency

Address: 2608 Kirkwood Hwy Wilmington, DE 19805
Phone:
Website:
Info:

Housing Demographics for 19805

Population Review for 19805 Zip Code

For the city of Wilmington, the population within 19805 has increased to over 40,491 residents in population size. The current population total is 39,985. We have broken down the population based on race below. In 19805, there are over 19066 in male population and 20919 females.

Population	Values
Total Population	39,985
White Population	15596
Black Population	13369
Hispanic Population	11530
Asian Population	467
Hawaiian Population	27
Indian Population	296
Other Population	5901
Male Population	19066
Female Population	20919
Population Estimate	40491

Household Data for 19805

The average number of homes in 19805 is around 15,745, there are an average of 2.52 per household. The average house value according to local real estate values is around $181,900. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	15,745
Persons Per Household	2.52
Average House Value	$181,900
Income Per Household	$50053
Median Age	34.8
Median Age Male	34.0
Median Age Female	35.6

19805 Details	Values
State	DE
State Full Name	Delaware
City Type	P
City Alias Abbreviation
Area Code	302
City	Wilmington
City Alias Name	WILMINGTON
County	New Castle
County FIPS	003
State FIPS	10
Time Zone	5
Day Light Saving	Y
MSA	6162
PMSA	9160
CSA	428
CBSA	37980
CBSA_DIV	48864
CBSA_Type	Metro
CBSA_Name	Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
MSA_Name	Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD CMSA
PMSA_Name	Wilmington-Newark, DE-MD PMSA
Region	South
Division	South Atlantic
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	864
Number Of Employees	11299
Business First Quarter Payroll	148859
Business Annual Payroll	655590
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	5965343
CBSA Division Population	705670
Congressional District
Congressional LandArea
Delivery Residential	16068
Delivery Business	899
Delivery Total	17818
Preferred Last Line Key	V21381
Classification Code
Multi-County
CSA Name	Philadelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name	Wilmington, DE-MD-NJ
City State Key	V21381
Land Area	5.518000
Water Area	0.000000
City Alias Code
City Mixed Case	Wilmington
City Alias Mixed Case	Wilmington
Box Count	295
SFDU	13607
MFDU	1007
State ANSI	10
County ANSI	003
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	096820
Unique ZIP Name
SSA State County Code	08010
Medicare CBSA Code	48864
Medicare CBSA Name	Wilmington, DE-MD-NJ
Medicare CBSA Type	Metro
Market Rating Area ID	1
County Mixed Case	New Castle

Delaware Homeowners Insurance News & Information

2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges. Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]
What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024
A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly. The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]
$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

Home Insurance Quotes in 19805!