Home insurance in Delaware.
Home insurance in Delaware is below the national average, helped by the state’s small size and relatively low exposure to major catastrophes.
Delaware at a glance
Avg. premium
$1,103/yr
NAIC 2022, HO-3
vs. national
30% below
U.S. avg $1,569/yr
Main cost driver
Low catastrophe risk, some coastal exposure
What pushes rates here
Home insurance in Delaware is below the national average, helped by the state’s small size and relatively low exposure to major catastrophes.
How much does home insurance cost in Delaware?
The average homeowner in Delaware pays $1,103per year for home insurance, that's 30% below the U.S. national average of $1,569/yr. Your own rate depends on your home's rebuild cost, age, construction, location, and claims history.
Delaware vs the national average
30% below the national average of $1,569/yr.
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
What drives home insurance costs in Delaware
Inland homes are inexpensive to insure; coastal properties near the Atlantic face higher rates and possible hurricane deductibles. Flooding requires separate coverage.
What home insurance covers
A standard Delawarehomeowners (HO-3) policy bundles several coverages. Note what's not included, flood and earthquake always require separate policies.
| Coverage | What it covers | In a standard policy? |
|---|---|---|
| Dwelling (Coverage A) | The structure of your home itself | Core coverage |
| Other structures (B) | Detached garages, fences, sheds | Included |
| Personal property (C) | Your belongings, furniture, electronics, clothes | Included |
| Liability (E) | Injuries to others or damage you’re responsible for | Included |
| Loss of use (D) | Living expenses if your home is uninhabitable | Included |
| Flood / earthquake | Flood and quake damage | Excluded, separate policy |
Homeowners insurance is not legally mandated, but mortgage lenders require it for the life of your loan.
How to lower your home insurance in Delaware
Rates for the same home can vary widely between insurers in Delaware, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Bundle home and auto insurance with one carrier
- Harden your home against local risks (impact-resistant roof, storm shutters, defensible space) for discounts
- Improve security, alarms, smoke detectors, water-leak sensors
- Avoid small claims so you keep claims-free discounts
Average premium data last verified June 6, 2026. Source: NAIC. Figures are statewide averages, your quote will differ based on your specific home.
05 / FAQ
Delaware home insurance FAQs.
Common questions about homeowners insurance in Delaware.
06 / Get Started
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