The best home insurance companies in Delaware are State Farm, Travelers, Nationwide, Encompass and Homesite. State Farm ranks first for customer service and affordability, while Nationwide is the best for coverage. Compare all our top picks below.
Best Homeowners Insurance in Delaware
Updated: June 24, 2025
Advertising & Editorial Disclosure
Key Takeaways
According to our 2025 research, the top three home insurance providers in Delaware are State Farm, Travelers and Nationwide.
For most homeowners, State Farm is the top overall pick for home insurance. However, if you have bad credit, Nationwide is a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Delaware?
| State Farm | 94 | 1 | 1 | 4 |
| Travelers | 90 | 2 | 3 | 2 |
| Nationwide | 69 | 4 | 2 | 1 |
| Encompass | 65 | 3 | 4 | 2 |
| Homesite | 33 | 5 | 5 | 5 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While our rankings highlight the top home insurance options, the best choice for you may vary based on your home type or needs. We summarize the top insurers across key categories below.
| State Farm | 94 | Overall |
| State Farm | 94 | Older Homes |
| State Farm | 94 | Newer Homes |
| State Farm | 94 | High-Fire-Risk Areas |
| Nationwide | 92 | Bad Credit |
| State Farm | 94 | With Claims History |
Best Delaware Home Insurance Reviews
Explore our selection of top home insurance providers in Delaware, where we've identified leaders in affordability, customer service and comprehensive coverage options.
State Farm: Best for Affordability
According to our study, State Farm is the cheapest home insurance provider for most homeowners in Delaware. The company is also one of the top-rated for customer service, ranking seventh in J.D. Power's study. State Farm offers a selection of coverage options like underground utility coverage and extended replacement cost reimbursement to cover potential increases in repair costs.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| Newer Homes in High-Fire-Risk Areas | $47 | $559 |
| Newer Homes | $47 | $559 |
| Older Homes | $79 | $949 |
| Older Homes in High-Fire-Risk Areas | $79 | $949 |
Nationwide: Best for Customer Service
Nationwide is not the cheapest option for home insurance in Delaware, but it is the most affordable for homeowners with bad credit. According to J.D. Power, Nationwide ranks eighth for customer satisfaction and fifth for claims handling. The insurer offers diverse coverage options, including unique add-ons like better roof replacement and doubling dwelling coverage limits.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
| Newer Homes | $46 | $549 |
| Newer Homes in High-Fire-Risk Areas | $51 | $613 |
| Older Homes | $61 | $737 |
| Older Homes in High-Fire-Risk Areas | $69 | $823 |
Travelers: Best for Coverage
Travelers is the second most affordable provider for home insurance overall in Delaware, with a high customer service score in our study. We rate it as the best option for coverage in Delaware due to its wide selection of coverage options, including coverage for green homes and extended replacement cost protection.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
| Newer Homes | $37 | $446 |
| Newer Homes in High-Fire-Risk Areas | $42 | $503 |
| Older Homes | $55 | $656 |
| Older Homes in High-Fire-Risk Areas | $62 | $739 |
How to Find the Best Home Insurance in Delaware
Choosing the best homeowners insurance can be difficult. That's why we've created a step-by-step guide to help you find the right coverage.
- 1
Determine Your Coverage Needs
Determine how much coverage you need before buying home insurance. Think about the cost to rebuild your home and replace your belongings. Your coverage needs and insurance costs can also vary depending on where you live and specific risks like flooding or wildfires.
- 2
Research Costs and Discounts
Find out how much home insurance costs in Delaware to evaluate your potential savings. Research available discounts you qualify for, as these can help reduce your premiums.
- 3
Find the Best Providers for You
Once you understand your options and the costs, focus your search on the best and cheapest home insurance in Delaware. Evaluate customer service quality, pricing and available coverage endorsements you want.
- 4
Compare Multiple Providers Through All Means
With your research in hand, compare providers thoroughly to find the most suitable option. Make sure you compare quotes on an apples-to-apples basis for consistency. Get quotes using various methods, such as online tools, agents or phone calls, because these can yield different results.
Best Homeowners Insurance in Delaware: Bottom Line
State Farm, Travelers and Nationwide are the best-rated homeowners insurance providers in Delaware. While these are our top recommendations, comparing options yourself will help you find the right fit for your needs.
Best Home Insurance in Delaware: FAQ
To help you choose wisely, we've answered frequently asked questions about finding a home insurance provider in Delaware.
Which company is best for home insurance in Delaware?
State Farm is the best homeowners insurance provider in Delaware for its combination of affordability, excellent customer service, and comprehensive coverage options. Travelers, Nationwide, Encompass and Homesite are also competitive choices in Delaware.
Who has the most affordable homeowners insurance in Delaware?
The most affordable homeowners insurance in Delaware depends on your individual profile. However, the average cost of homeowners insurance in Delaware is $741 annually.
How do you get the best homeowners insurance in Delaware?
To find the best home insurance in Delaware, decide on coverage preferences, evaluate costs and companies, and then review and compare several quotes.
How We Decided the Best Home Insurance in Delaware: Our Methodology
We rated the best homeowners insurance providers in Delaware using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.