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Delaware Homeowners Insurance Quotes

Delaware is a land of wonder. We have pristine beaches combined with beautiful, friendly and fun coastal towns. When the day at the beach is done, head out shopping at a Delaware beach boutique, art gallery or enjoy a five star meal at one of our many cutting-edge restaurants. Remember, in the "First State" there is no sales tax so the price you see is the price you pay, it's the best way to shop.

While beaches are a big part of Delaware life, we have much more to offer. Chateau Country is dotted with regal mansions and lush gardens while our numerous wildlife refuges teem with birds and natural beauty.

Delaware is a great place to visit and an even better place to live.

Delaware Homeowner Facts

Delaware is one of the smallest states in the Union, ranking 45th with a population of 945,934. While Delaware is also one of the smallest states as far as square mileage, it is the second smallest in the country, it is densely populated, coming in sixth in population density. There are only three counties in the great state of Delaware, New Castle, Kent and Sussex with New Castle being the most industrialized while the other two are more agricultural.

There are currently 3,977 households per zip code with an average of two people per house. Even though Delaware is small, it packs a big punch with median household income, it ranks 11th with a median income of $57,954. Zillow puts the median home value in Delaware at $205,300, which is a slight raise of 0.3% from last year. Zillow predicts that home values will jump up 1.4% in the next year, which makes it a great time to buy.

House costs can vary greatly depending on which part of Delaware you choose to live. A home in Hockessin will set you back an average of $367,800 while Wilmington is much more affordable at a median price of $115,600.

Homeowners Insurance in Delaware

The good news is that homeowners insurance in Delaware is very affordable according to recent studies, coming in at an average of $678 a year while the U.S. average is $1,034. To save up to 40% on your premium, contact us today to help you compare and save.

There are ways to drive that cost even lower. Bundling your car insurance with your homeowners coverage can result in a discount of up to 20 percent and shopping your coverage on a regular basis is a great way to make sure you are getting the best deal on all of your insurance needs.

If you live in one of our beautiful coastal communities, such as Lewes, Bethany Beach or Fenwick Island, adding storm shutters and a sprinkler system can result in a big discount on your homeowners premium.

Our site makes it easy to compare numerous insurers quickly (up to 12). Simply fill out our quick and easy online quoting application and we will begin comparing rates for the most competitive prices in Delaware.

Factors to Consider in Delaware

Crime rates will always have an impact on a homeowners premium and unfortunately, Delaware does have an issue with crime, especially Wilmington. The city of Wilmington has a population of 71,000 and a violent-crime rate of 1,625 per 100,000 people according to the FBI, which is significantly higher than the national average of 368 per 100,000.

It's not just crime that can cause problems in Delaware, natural disasters such as hurricanes can be an issue, especially in the coastal towns. Depending on where your home is located, flood insurance may be necessary in addition to homeowners coverage. Our shopping process can help you bind additional coverages like flood insurance so you get the coverage you need fast.

Damage caused by flooding is not covered by a standard homeowners policy and if you live in a flood zone your lender will require a separate flood policy. Before purchasing a home be sure to get an insurance quote so there are no surprises when it comes time to close on your new house.

Regardless of whether you are moving to Dover, Wilmington, Brookside, Glasgow or any of our other beautiful cities, you are going to need homeowners coverage, and possibly flood insurance. We can help you find the perfect insurance policy for your home. We search dozens of national insurers such as Nationwide, Progressive, Titan Insurance, Safeco Insurance, Liberty Mutual Insurance, The Hartford and many more.

Average Homeowners Insurance Premiums in Delaware

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Delaware homeowners are paying on average. Did you know that the average homeowners insurance premium in Delaware is $907? Delaware is now ranked 44 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Delaware is 30.82% less than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$907 (-0.1%)$ 7644
2019$908 (4%)$ 7643
2018$873 (4.69%)$ 7345
2017$833 (2.06%)$ 6945
2016$816 (4.51%)$ 6845

When we combine the state averages over the last decade, the Delaware overall average is estimated to be around $784.00. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Delaware current state rank compare to the rest of the country is #44. Consider shopping your Delaware home insurance with us so we can help you save up to 40% or more on your policy.

Find Local DE Homeowners Insurance Quotes & Coverage

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Delaware Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

Delaware Housing & Real Estate Data

Total Housing Units405885
Occupied Housing Units342297
Vacant Housing Units63588
Vacant Housing Units for Rent11399
Vacant Housing Units Rented Not Occupied676
Vacant Housing Units For Sale5985
Vacant Housing Units Sold Not Occupied1011
Vacant Housing Units For Seasonal Occasional Use35939
Vacant Housing Units All Other Vacants8578
Housing Units Homeowner Vacancy Rate Percent2.4
Housing Units Rental Vacancy Rate Percent10.6
Housing Tenure Occupied Units342297
Housing Tenure Occupied Units Owner Occupied246724
Housing Tenure Occupied Units Owner Occupied Population636531
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.58
Housing Tenure Occupied Units Renter Occupied95573
Housing Tenure Occupied Units Renter Occupied Population236990
Housing Tenure Occupied Units Renter Occupied Average Household Size2.48

Understanding Delaware Homeowners Insurance

When shopping for Delaware homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Delaware renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Delaware, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Delaware rates and coverage options.