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New Castle County, DE Homeowners Insurance Quotes

You may find it interesting that New Castle County, DE home insurance rates on average are around $75.58 per month for a basic policy. In Delaware, your premium right now could be in the average range of $907 per year, this estimate is based on an HO-3 homowners insurance type which may include the minimum coverage required by your mortgage company. Because rates have increased, we can easily help you save more money on your homeowners insurance while also assisting you in review which coverage option is best for you. It is a good financial decision to choose a great carrier with enhanced coverage options that may be not the cheapest rate but the best protection for your home in New Castle County.

Comparison shopping online for home insurance in Delaware is easy and hassle free with our easy to use online quoting application. We can help you review top carriers, affordable rates and enhanced coverage options all in one place. You might also like to know that our enhanced coverage option features better coverage for your home when you need it the most. Cheaper insurance rates have low coverage details written within the policy that you may not have read clearly enough. Don't wait until it is too late, you want an insurance provider you can trust and depend on, especially when you have taken on a loss and need to be refunded for damages. Let us help you shope and compare New Castle County, DE quotes today!

For all New Castle County, DE residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in New Castle County? Simply enter your zip code to get your Delaware homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

New Castle County, DE Housing Demographics

With 538,479 residents living within the New Castle County area there are over 217,511 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 134,743 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in New Castle County.

DemographicValues
Total Occupied Households202,651
Family Households (families)134,743
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units217,511

New Castle County, DE Coastal Wind, Hail & Flood Information

For all homeowners living in New Castle County (FIPS: 10003), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Delaware is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in New Castle County, DE, it's important that you look into hurricane and windstorm insurance options.

New Castle County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Delaware.

Helpful Articles:

New Castle County, DE Home Insurance Average Premiums

Local New Castle, DE homeowners insurance quotes comparison

$692 /yr.

Delaware's Average Home Insurance Rates Overall

For the state of Delaware, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 44 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$488 /yr.
Current Average Cost:$692 /yr.
Maximum Range:$908 /yr.

New Castle County, DE Coastal Wind, Hail & Flood Information

New Castle is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal county of New Castle is know for it's beautiful beaches and waterways. Because New Castle County (FIPS: 10003) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in New Castle County.

Delaware Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]

  • Are homeowners insurance companies increasing deductibles?  Posted on Thursday 22nd August, 2024

    This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket.   As the cost of claims increases, particularly […]

  • Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024

    Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]

Discounts For Homeowners in New Castle County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Delaware homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in New Castle County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in New Castle County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your New Castle County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

New Castle County Housing & Real Estate Data

Details:Statistics
Total Housing Units217511
Occupied Housing Units202651
Vacant Housing Units14860
Vacant Housing Units for Rent6744
Vacant Housing Units Rented Not Occupied290
Vacant Housing Units For Sale2386
Vacant Housing Units Sold Not Occupied473
Vacant Housing Units For Seasonal Occasional Use712
Vacant Housing Units All Other Vacants4255
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent10
Housing Tenure Occupied Units202651
Housing Tenure Occupied Units Owner Occupied141325
Housing Tenure Occupied Units Owner Occupied Population374045
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied61326
Housing Tenure Occupied Units Renter Occupied Population147280
Housing Tenure Occupied Units Renter Occupied Average Household Size2