Home insurance in Delaware costs about $83 monthly or $993 annually on average. Residents pay $137 less per month, or $1,642 less annually, than the national average, making it the second most affordable state for home insurance.
Average Home Insurance Cost in Delaware
Updated: June 19, 2025
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$220
High
$144
Average
$104
Low
Rates updated:
Jun 20, 2025
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Key Takeaways
Depending on your financial history, home details and other personal information, home insurance costs in Delaware can range from $590 to $5,371.
Delaware's home insurance premiums are the second most affordable in the country, at 62% below the national average.
To find the best home insurance in Delaware, determine what coverage you need beforehand, research costs and discounts in your area, and shop around.
How Much Is Home Insurance in Delaware?
| Delaware Average | $83 | $993 | -62% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250,000 Dwelling, $125,000 Personal Property, and $200,000 Liability coverage with a $1,000 deductible.
Why Is Home Insurance So Expensive in Delaware?
Home insurance is expensive in Delaware mainly because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs, and state insurance laws. Below, we explain each factor in detail:
Rising Claims
When claim frequency goes up in an area, insurers typically respond by raising everyone's rates. It's simple math: more payouts mean higher costs, and those costs get passed on to policyholders through premium increases.
High Weather Risks
Delaware faces hurricane risks along its coast, which drives up insurance costs. Insurers know they'll face expensive claims when storms hit, so they build those potential losses into everyone's premiums.
Rising Material and Labor Costs
When the costs to repair or rebuild homes increase due to pricier materials or labor, insurers may raise premiums to make sure they can cover these higher expenses in the event of a claim.
State Insurance Laws
Delaware's insurance laws shape what insurers can charge and how they set rates. When the state requires more coverage or stricter standards, those extra costs usually show up in your monthly premium.
What Affects Delaware Home Insurance Costs?
Like with most home insurance providers, pricing is influenced by several key factors:
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
Next, we'll explore how each of these elements impacts rates in Delaware.
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the most influential factor in Delaware home insurance rates, with costs ranging from $467 to $4,025 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $39 | $467 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $335 | $4,025 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials and roof type are the second most influential factor in Delaware homeowners insurance rates, ranging from $44 to $84 per month. These factors affect replacement costs and the risk of damage or theft, leading to rate differences.
| Lowest | New | Superior | Composition | $44 | $525 |
| Highest | Old | Frame | Shake-Treated | $84 | $1,013 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the third most influential factor in Delaware home insurance rates, with prices ranging from 27% below to 24% above the state average. Choosing wisely can save you money, so it's important to compare your options carefully.
| Lowest | Travelers | $60 | $724 |
| Highest | Homesite | $103 | $1,236 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 58%, with annual average rates ranging from $857 to $2,123.
| Lowest | Excellent | $71 | $857 |
| Highest | Poor | $177 | $2,123 |
How Much Does Claims History Affect Home Insurance Costs?
In Delaware, claims history has a smaller impact on homeowners insurance premiums than other factors, affecting rates by up to 22% or about $267 annually. Filing more claims increases perceived risk, leading to higher premiums. The lowest average annual rate for those who are claim-free for five years is $993, while those with two claims in five years face rates as high as $1,477.
| Lowest | Claim free for 5+ years | $83 | $993 |
| Highest | 2 claims in past 5 years | $123 | $1,477 |
Tips to Save on Delaware Home Insurance
With high home insurance costs, finding ways to save in Delaware is essential. Whether buying a home or cutting expenses, explore tips to secure the best and cheapest home insurance in Delaware tailored to your needs.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, consider if you need add-ons to protect any additional items you own.
- 2
Research Costs and Discounts Beforehand
To determine if you’re getting a good deal, understand the average costs for you and your home. Also, ask agents about all available home insurance discounts, as some insurers apply certain reductions only if requested.
- 3
Compare Multiple Providers Through Different Avenues
Compare multiple insurers apples to apples to find the best coverage for your needs. Use various methods, including online comparison sites, brokers, provider websites, and agents, as quotes vary significantly across these channels.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings. For example, combining home and auto insurance in Delaware can lower your annual insurance payments on both policies.
- 5
Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Also, improving your credit score can decrease premiums significantly. For example, moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
If you're denied traditional home insurance, Delaware offers programs to help you get affordable coverage. While these don’t offer the same coverage amount as traditional policies, they meet mortgage requirements.
Delaware Home Insurance Calculator: Bottom Line
Home insurance costs depend on factors like coverage and home details. For affordable rates, identify your needs and typical costs, then get the best deal with our estimate tool.
Homeowners Calculator Insurance Delaware: FAQ
The cost of homeowners insurance in Delaware depends on several factors. To help you estimate your expenses, MoneyGeek answers common questions below about home insurance in Delaware.
How much does homeowners insurance cost in Delaware?
Delaware's average monthly home insurance cost is $83 for dwelling coverage of $250,000. However, your rate will depend on factors like your credit score, liability and property coverage limits, and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250,000, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your chosen coverage level and provider. Your credit score and home details also influence your rates.
How We Determined Our Delaware Home Insurance Estimates
When determining the average cost of home insurance in Delaware, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home Built Year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
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.