Homeowners Insurance in Delaware

Getting homeowners insurance shouldn't be confusing. Compare Delaware rates by city and insurance company below.

Get cheap home insurance in Delaware

Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. A homeowners insurance policy defends your home and your items in the event of a number of misfortunes, including wind damage, fire, theft, vandalism, and others.

Major differences exist in homeowners insurance costs on a state-by-state basis. Home insurance rates in US states diverge based on the number and value of homeowners policy claims filed statewide, and depend on the value of the belongings and home insured on the policy.

The best way to find an affordable homeowners insurance policy in Delaware is to compare rates and consider policies from as many insurance companies as possible. Learn home insurance rates in Delaware via the below breakdown. Your rates may vary, depending on your coverage details.

Delaware home insurance:
  1. Rates by company
  2. Costs by city
  3. How to bundle home and auto insurance

Home insurance rates in Delaware by carrier

Rates for homeowners insurance in Delaware will vary depending on the insurance company you choose. Cumberland Insurance Group sells the cheapest home insurance in Delaware, at just $569 per year. This compares favorably to the state mean rate of $880, offering a $311 discount on the typical rates in the state.

Start looking for a home insurance policy by reviewing the most affordable Delaware home insurance carriers, listed below.

CompanyAverage 12-Month Rate in Delaware
Cumberland Insurance Group$568.96
State Farm$679.32

Delaware homeowners insurance costs: by city

Home insurance rates in Delaware vary by city. Policies are often priced on local variables such as the number of local claims filed, giving your ZIP code weight in deciding how much you pay.

The cheapest home insurance in Delaware is found in Pike Creek. An average homeowners insurance policy in Pike Creek costs just $681 per year — $198 less than the average Delaware rate. Reference the below table to see the cheapest cities in Delaware for home insurance.

CityAverage Annual Home Insurance Rate
Pike Creek$681.44

Homeowners and auto insurance bundles in Delaware

If you want to save on homeowners insurance, consider purchasing your home and car insurance policies from the same company. Bundling auto and home insurance in Delaware can lead to substantial savings on car insurance. Bundling policies in Delaware leads to a yearly savings of $189.

Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %

One of the best ways to save on auto insurance is bundling. Get started today!

Compare rates from top car insurance companies.

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Homeowners insurance and hurricanes in Delaware

Because hurricanes can cause such calamitous damage and demolish properties entirely, insurance companies remain unwilling to assume the risks posed by hurricanes. If you live in Delaware, you could be vulnerable to suffering hurricane damage. In fact, 8,901 single-family homes are extremely vulnerable to hurricane damage in Delaware.*

If you reside in a coastal area, it's of utmost importance to check and understand your homeowners policy because a basic home policy won't be sufficient to cover the costs of repairing damage from hurricanes — you would need to bolster your policy with windstorm and flood insurance, both of which would be applicable to pay for the damages. Depending on your location, your insurance company may make it mandatory to have a separate hurricane deductible if you reside in an area that's especially vulnerable.

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-hurricanes)