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Delaware Homeowners Insurance Quotes

Delaware is a land of wonder. We have pristine beaches combined with beautiful, friendly and fun coastal towns. When the day at the beach is done, head out shopping at a Delaware beach boutique, art gallery or enjoy a five star meal at one of our many cutting-edge restaurants. Remember, in the "First State" there is no sales tax so the price you see is the price you pay, it's the best way to shop.

While beaches are a big part of Delaware life, we have much more to offer. Chateau Country is dotted with regal mansions and lush gardens while our numerous wildlife refuges teem with birds and natural beauty.

Delaware is a great place to visit and an even better place to live.

Delaware Homeowner Facts

Delaware is one of the smallest states in the Union, ranking 45th with a population of 945,934. While Delaware is also one of the smallest states as far as square mileage, it is the second smallest in the country, it is densely populated, coming in sixth in population density. There are only three counties in the great state of Delaware, New Castle, Kent and Sussex with New Castle being the most industrialized while the other two are more agricultural.

There are currently 3,977 households per zip code with an average of two people per house. Even though Delaware is small, it packs a big punch with median household income, it ranks 11th with a median income of $57,954. Zillow puts the median home value in Delaware at $205,300, which is a slight raise of 0.3% from last year. Zillow predicts that home values will jump up 1.4% in the next year, which makes it a great time to buy.

House costs can vary greatly depending on which part of Delaware you choose to live. A home in Hockessin will set you back an average of $367,800 while Wilmington is much more affordable at a median price of $115,600.

Homeowners Insurance in Delaware

The good news is that homeowners insurance in Delaware is very affordable according to recent studies, coming in at an average of $678 a year while the U.S. average is $1,034. To save up to 40% on your premium, contact us today to help you compare and save.

There are ways to drive that cost even lower. Bundling your car insurance with your homeowners coverage can result in a discount of up to 20 percent and shopping your coverage on a regular basis is a great way to make sure you are getting the best deal on all of your insurance needs.

If you live in one of our beautiful coastal communities, such as Lewes, Bethany Beach or Fenwick Island, adding storm shutters and a sprinkler system can result in a big discount on your homeowners premium.

Our site makes it easy to compare numerous insurers quickly (up to 12). Simply fill out our quick and easy online quoting application and we will begin comparing rates for the most competitive prices in Delaware.

Factors to Consider in Delaware

Crime rates will always have an impact on a homeowners premium and unfortunately, Delaware does have an issue with crime, especially Wilmington. The city of Wilmington has a population of 71,000 and a violent-crime rate of 1,625 per 100,000 people according to the FBI, which is significantly higher than the national average of 368 per 100,000.

It's not just crime that can cause problems in Delaware, natural disasters such as hurricanes can be an issue, especially in the coastal towns. Depending on where your home is located, flood insurance may be necessary in addition to homeowners coverage. Our shopping process can help you bind additional coverages like flood insurance so you get the coverage you need fast.

Damage caused by flooding is not covered by a standard homeowners policy and if you live in a flood zone your lender will require a separate flood policy. Before purchasing a home be sure to get an insurance quote so there are no surprises when it comes time to close on your new house.

Regardless of whether you are moving to Dover, Wilmington, New Castle or any of our other beautiful cities, you are going to need homeowners coverage, and possibly flood insurance. We can help you find the perfect insurance policy for your home. We search dozens of national insurers such as Nationwide, Progressive, Titan Insurance, Safeco Insurance, Liberty Mutual Insurance, The Hartford and many more.

Average Homeowners Insurance Premiums in Delaware

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Delaware homeowners are paying on average. Did you know that the average homeowners insurance premium in Delaware is $907? Delaware is now ranked 44 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Delaware is 30.82% less than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$907 (-0.1%)$ 7644
2019$908 (4%)$ 7643
2018$873 (4.69%)$ 7345
2017$833 (2.06%)$ 6945
2016$816 (4.51%)$ 6845

When we combine the state averages over the last decade, the Delaware overall average is estimated to be around $784.00. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Delaware current state rank compare to the rest of the country is #44. Consider shopping your Delaware home insurance with us so we can help you save up to 40% or more on your policy.

Find Local DE Homeowners Insurance Quotes & Coverage

For more information on homeowners insurance in your area, choose a county below:

Delaware Homeowners Insurance News & Information

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

  • 2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025

    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

Delaware Housing & Real Estate Data

Details:Staticstics
Total Housing Units405885
Occupied Housing Units342297
Vacant Housing Units63588
Vacant Housing Units for Rent11399
Vacant Housing Units Rented Not Occupied676
Vacant Housing Units For Sale5985
Vacant Housing Units Sold Not Occupied1011
Vacant Housing Units For Seasonal Occasional Use35939
Vacant Housing Units All Other Vacants8578
Housing Units Homeowner Vacancy Rate Percent2.4
Housing Units Rental Vacancy Rate Percent10.6
Housing Tenure Occupied Units342297
Housing Tenure Occupied Units Owner Occupied246724
Housing Tenure Occupied Units Owner Occupied Population636531
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.58
Housing Tenure Occupied Units Renter Occupied95573
Housing Tenure Occupied Units Renter Occupied Population236990
Housing Tenure Occupied Units Renter Occupied Average Household Size2.48

Understanding Delaware Homeowners Insurance

When shopping for Delaware homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Delaware renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Delaware, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Delaware rates and coverage options.