Best Homeowners Insurance in Delaware
Best cheap home insurance in Delaware
Cheapest home insurance in Delaware
Allstate, Encompass and State Farm all offer home insurance rates that are cheaper than $100 a month.
Delaware’s cheapest home insurance quotes
| Company | Annual rate | Monthly rate | LendingTree score | |
|---|---|---|---|---|
 | Nationwide | $840 | $70 |  |
 | Allstate | $1,094 | $91 |  |
 | Encompass | $1,143 | $95 | Not rated |
 | State Farm | $1,152 | $96 | |
 | Cumberland Mutual | $1,290 | $108 | Not rated |
 | Travelers | $2,180 | $182 | |
 | American Family | $4,204 | $350 | |
One of the keys to getting the best and cheapest coverage is to compare home insurance quotes from multiple companies before you buy or renew a policy.
Best homeowners insurance companies in Delaware
Delaware’s best home insurance companies
| Company | Best for | Annual rate | Customer satisfaction* | Complaint index** |
|---|---|---|---|---|
| Allstate | Overall | $1,094 | 631 | 1.3 |
| Nationwide | Low rates | $840 | 641 | .96 |
| State Farm | Customer service | $1,152 | 643 | 1.05 |
*Source: J.D. Power 2024 U.S. Home Insurance Study. Higher is better; 640 is average.
**Source: National Association of Insurance Commissioners (NAIC). Lower is better; 1.0 is average.
Best overall: Allstate
Allstate is the best home insurance company in Delaware because of its low rates and many discount and coverage options.
Pros
Second-cheapest rates in state
Many discounts that could make it even cheaper
Several options to expand your coverage
Helpful website lets you pay bills and file claims
Cons
Customer service rating is worse than average
Complaint rating is worse than average, too
Lowest rates: Nationwide
Delaware homeowners may get the cheapest home insurance from Nationwide, which has an average rate of $70 a month. That’s 23% lower than second-place Allstate.
Nationwide also is Delaware’s best home insurance company for discounts, offering more ways to save than any other insurer we surveyed in the state.
Pros
Lowest rates in Delaware
Many add-on coverages and discounts
Good customer satisfaction rating
Cons
Complaint rating is average
Best customer service: State Farm
State Farm has the best customer satisfaction rating from J.D. Power of the companies we surveyed in Delaware.
Pros
Great customer satisfaction rating
Rates are well below state average
Website lets you get quotes, pay bills and file claims
Cons
Fewer discounts and coverage options than some other companies
Complaint rating is average
How much is home insurance in Delaware?
This average homeowners insurance rate is based on a policy with $400,000 of dwelling coverage. Delaware’s average home insurance rate for a policy with a $350,000 dwelling limit is $127 a month. The average rate for a policy with a $450,000 dwelling limit is $160 a month.
You’ll pay about 21% more for a home insurance policy with $450,000 in dwelling coverage than you will for a policy with $350,000 of coverage in Delaware.
Average home insurance rate by dwelling limit
| Dwelling limit | Annual rate | Monthly rate |
|---|---|---|
| $350,000 | $1,521 | $127 |
| $400,000 | $1,701 | $142 |
| $450,000 | $1,921 | $160 |
Delaware homeowners insurance rates by city
The Delaware city or town with the most expensive home insurance is Fenwick Island. Homeowners there pay $220 a month, on average. The neighboring towns of Bethany Beach and South Bethany are next at $219 a month.
Home insurance rates near you
| City | Annual rate | Monthly rate |
|---|---|---|
| Arden | $1,468 | $122 |
| Bear | $1,457 | $121 |
| Bellefonte | $1,590 | $133 |
| Bethany Beach | $2,626 | $219 |
| Bethel | $1,743 | $145 |
| Bridgeville | $2,013 | $168 |
| Brookside | $1,465 | $122 |
| Camden | $1,568 | $131 |
| Camden Wyoming | $1,984 | $165 |
| Cheswold | $1,972 | $164 |
| Claymont | $1,539 | $128 |
| Clayton | $1,534 | $128 |
| Dagsboro | $2,243 | $187 |
| Delaware City | $1,443 | $120 |
| Delmar | $1,691 | $141 |
| Dewey Beach | $2,333 | $194 |
| Dover | $1,598 | $133 |
| Dover Air Force Base | $1,867 | $156 |
| Dover Base Housing | $1,978 | $165 |
| Edgemoor | $1,570 | $131 |
| Ellendale | $1,819 | $152 |
| Elsmere | $1,466 | $122 |
| Felton | $2,016 | $168 |
| Fenwick Island | $2,636 | $220 |
| Frankford | $2,230 | $186 |
| Frederica | $1,981 | $165 |
| Georgetown | $1,974 | $164 |
| Glasgow | $1,451 | $121 |
| Greenville | $1,414 | $118 |
| Greenwood | $2,009 | $167 |
| Harbeson | $2,157 | $180 |
| Harrington | $1,686 | $141 |
| Hartly | $1,533 | $128 |
| Henlopen Acres | $2,335 | $195 |
| Highland Acres | $1,640 | $137 |
| Hockessin | $1,365 | $114 |
| Houston | $1,760 | $147 |
| Kent Acres | $1,634 | $136 |
| Kirkwood | $1,812 | $151 |
| Laurel | $1,693 | $141 |
| Lewes | $2,275 | $190 |
| Lincoln | $2,019 | $168 |
| Little Creek | $1,888 | $157 |
| Long Neck | $2,230 | $186 |
| Magnolia | $1,872 | $156 |
| Marydel | $1,550 | $129 |
| Middletown | $1,834 | $153 |
| Milford | $1,818 | $152 |
| Millsboro | $1,966 | $164 |
| Millville | $2,219 | $185 |
| Milton | $1,832 | $153 |
| Montchanin | $1,397 | $116 |
| Nassau | $2,127 | $177 |
| New Castle | $1,427 | $119 |
| Newark | $1,451 | $121 |
| Newport | $1,413 | $118 |
| North Star | $1,410 | $117 |
| Ocean View | $2,328 | $194 |
| Odessa | $1,441 | $120 |
| Pike Creek | $1,332 | $111 |
| Pike Creek Valley | $1,371 | $114 |
| Port Penn | $1,441 | $120 |
| Rehoboth Beach | $2,338 | $195 |
| Rising Sun-Lebanon | $1,872 | $156 |
| Riverview | $2,006 | $167 |
| Rockland | $1,434 | $120 |
| Rodney Village | $1,556 | $130 |
| Seaford | $1,817 | $151 |
| Selbyville | $2,096 | $175 |
| Smyrna | $1,506 | $125 |
| South Bethany | $2,629 | $219 |
| St. Georges | $1,433 | $119 |
| Townsend | $1,962 | $164 |
| Viola | $1,599 | $133 |
| Wilmington | $1,474 | $123 |
| Wilmington Manor | $1,409 | $117 |
| Winterthur | $1,532 | $128 |
| Woodside | $1,587 | $132 |
| Woodside East | $1,869 | $156 |
| Wyoming | $1,566 | $131 |
| Yorklyn | $1,446 | $121 |
Where you live is one factor that insurance companies look at when setting your home insurance rate. Some of the other factors they look at:
- Your home’s age
- Your credit, insurance and claims history
- How much coverage you buy
- Your deductible
Frequently asked questions
The average cost of homeowners insurance in Delaware is $142 a month, or $1,701 a year.
Nationwide has the cheapest home insurance in Delaware, with rates that average $70 a month, or $840 a year.
State law doesn’t require you to buy home insurance in Delaware. If you get a mortgage, though, your lender will probably make you buy it.