Updated: February 1, 2026
Advertising & Editorial Disclosure
Our 2026 research found the top three home insurance companies in Delaware are State Farm, Nationwide and Allstate.
Travelers offers the highest-quality homeowners insurance in Delaware with the lowest average annual premium at $697.
Flooding hazards in Delaware's low-lying coastal areas drive up insurance premiums statewide. Find quality coverage from an affordable insurer.
Auto-Owners is the best home insurance company for most Delaware homeowners with affordable rates and strong customer experience. The top five companies earned high ratings in our affordability, customer experience and coverage categories:
| State Farm | 4.64 | 4 | 1 | 2 |
| Nationwide | 4.49 | 2 | 2 | 4 |
| Allstate | 4.4 | 3 | 3 | 3 |
| Travelers | 4.24 | 1 | 4 | 5 |
| Homesite | 4 | 5 | 5 | 1 |
*Our ratings consider different combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile. The tables below follow the same methodology.
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
From coastal communities along the shore to inland regions across the Delaware, home insurance rates and provider performance vary between cities. Our research identified the top-scoring insurer for major Delaware cities based on affordability, customer satisfaction and coverage options.
| Dover | State Farm | $943 |
| Newark | State Farm | $980 |
| Port Penn | State Farm | $1,025 |
| Wilmington | State Farm | $1,026 |
Coverage amounts affect Delaware home insurance costs, with $500,000 in dwelling protection running $1,669 versus just $511 for $100,000 coverage. The state averages $949 annually, but your credit score drives the biggest difference in what you'll actually pay. Poor credit bumps premiums to $1,430 yearly, while excellent credit brings costs down to around $487, showing how personal factors influence your final rate.
Overall average | $949 | $79 |
$100,000 dwelling coverage | $511 | $43 |
$500,000 dwelling coverage | $1,669 | $139 |
Older homes (1980) | $3,789 | $316 |
Newer homes (2020) | $2,829 | $236 |
Homeowner age 20–40 | $4,022 | $335 |
Seniors 61+ | $4,053 | $338 |
Recent Claim | $4,723 | $394 |
Excellent Credit | $487 | $41 |
Poor Credit | $1,430 | $119 |
Delaware's coastal storms and flooding risks require targeted home insurance coverage that actually protects your investment. Compare quotes from multiple insurers to find affordable policies that address the state's specific hazards.
Assess your home's replacement cost and Delaware's natural disaster risks. Wildfire exposure threatens foothills communities, hail damage strikes along the Front Range and flash floods occur near mountain drainage areas. Your coverage should reflect your home's value, personal property and liability needs while accounting for Delaware's high rebuilding costs.
Delaware home insurance averages $949 annually. Bundling home and auto policies saves 15% to 25% on premiums. Get discounts for monitored security systems, fire-resistant roofing and hail-resistant shingles. Impact-resistant windows and roof updates qualify you for more savings while reducing hail damage.
Review customer satisfaction scores and claims handling reputation before choosing an insurer. Look for Delaware-specific coverage like wildfire coverage, water back-up from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays full rebuilding costs even when they exceed policy limits due to material shortages or labor increases.
Inland flood coverage covers flash flood damage without a separate National Flood Insurance Program policy. Equipment breakdown coverage covers HVAC system failures in Delaware's temperature extremes. Mountain vacation homes and short-term rental properties need specialized policies for their unique risks.
Compare quotes from at least three insurers; rates vary between providers. Shop through direct insurers, independent agents and online platforms. Request quotes with identical coverage limits and deductibles for accurate comparisons. Ask about discounts for fire-resistant materials and protective devices common in Delaware homes.
Reassess your dwelling coverage annually to keep pace with rising construction costs and your home's current replacement value. Review your policy each year and shop for new quotes, especially after home improvements. Delaware's coastal storm threats and housing market changes mean your coverage needs evolve constantly.
State Farm, Nationwide and Allstate lead Delaware's home insurance market with strong financial ratings and comprehensive coverage options. Compare quotes from these providers and prioritize protection against coastal storms and flooding while ensuring adequate rebuilding costs and liability coverage.
Common questions Delaware homeowners ask when shopping for home insurance:
No, standard home insurance policies exclude flood damage coverage. Homeowners need separate flood insurance through the National Flood Insurance Program or private insurers to protect against water damage from natural flooding, storm surge, or overflowing bodies of water. This additional coverage must be purchased before flood events occur.
Your dwelling coverage needs to match the full rebuilding cost of your home, which differs from its market value. Inventory your belongings to determine adequate personal property coverage amounts. Use a construction cost calculator or get a professional appraisal to establish accurate replacement costs for your specific property.
Delaware's flooding risk drives up home insurance rates as insurers face increased property damage claims and higher coverage demands. Coastal communities and low-lying areas experience the most significant rate impacts due to their elevated flood exposure. Installing flood-resistant materials like waterproof flooring and elevated utilities can qualify homeowners for discounts while reducing potential damage costs.
Replacement cost coverage pays the full amount to replace your damaged belongings with new items at current market prices, while actual cash value coverage only reimburses you for what your items were worth after depreciation. For instance, if your five-year-old couch gets destroyed in a fire, replacement cost coverage buys you a brand-new couch, but actual cash value only pays what your used couch was worth at the time of loss.
Our analysis identifies which insurers balance affordability with coverage for Delaware-specific risks. We evaluated home insurance providers across three weighted factors that determine value for Delaware homeowners.
Affordability (55%): We analyzed rates for different home types, credit tiers and risk levels. Providers earned higher scores for competitive pricing and extensive discounts. Cost carries the heaviest weight because premiums determine whether you can maintain coverage long-term. Delaware's high rebuilding costs and frequent hail claims make affordable coverage important.
Customer satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys covering the buying process, policy management and claims handling. These ratings show which companies deliver consistent service throughout your relationship, not just competitive quotes. Claims experience matters most when wildfire or hail damage strikes and you need prompt payment and clear communication.
Coverage options (15%): We assessed add-on availability, unique features and state access. More flexibility lets you tailor policies to Delaware needs like wildfire coverage, water backup from snowmelt and equipment breakdown coverage for HVAC systems in temperature extremes. Standard policies don't always address Delaware's specific hazards without customization.
Our Sample Profile
Costs reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible. This profile represents typical Delaware homeowners balancing comprehensive coverage with manageable premiums.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
