Deleware Renters Insurance

Finding renters insurance shouldn't be confusing. Compare Delaware rates by city and insurance company below.

How to get cheap renters insurance in Delaware

Renters insurance is an optional but important insurance coverage. It keeps your stuff safe in the event your rental property suffers damage from a common incident. A renters policy covers personal items from fire or smoke damage, wind, vandalism, theft and a number of other circumstances.

Unlike auto insurance, renters insurance isn't priced based on state-level laws. That said, there are sometimes substantial differences in insurance pricing by state. Insurance policy costs in a given state vary depending on the value and number of renters insurance claims filed statewide, and also on the value of the belongings you're covering.

Delaware renters insurance is more expensive than the national average. The average annual cost of renters insurance in Delaware is $210, $26 more expensive than the average across America.

The easiest way to get a cheap renters insurance policy in Delaware is to view prices from as many insurance companies as you can. Learn how much renters insurance costs in Delaware by referencing the below tables. Individual rates may vary depending on coverage options and the value of your belongings.

Delaware renters insurance:

  1. By insurance company
  2. Rates by city
  3. Renters-and-auto bundling discounts
  4. FAQs

Renters insurance prices in Delaware by insurance company

Rates for renters insurance in Delaware differ depending on the insurance company you select. Cumberland Insurance Group provides the cheapest renters insurance policies in Delaware, at only $103 each year. This compares favorably to the state mean rate of $210, providing a 51% discount on rates typical to the state.

Begin the hunt for a renters insurance policy by viewing average rates from top Delaware companies, listed below.

CompanyAverage 12-Month Rate in Delaware
Cumberland Insurance Group$103
State Farm$115

Delaware renters insurance by city

Renters insurance rates in Delaware vary by city. Rates are determined based on on city-specific variables, such as the number of local claims filed, giving your ZIP code weight in deciding how much you pay.

The cheapest renters insurance rates in Delaware are in Middletown. An average renters insurance policy in Middletown costs $206 annually — $5 less than the state average. The below cities have the most affordable renters insurance in Delaware.

CityAverage 12-Month Renters Insurance Rate

Delaware renters insurance pricing by coverage tier

The cost of your renters insurance depends on the amount of coverage you carry. Two of the most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Delaware, the difference in annual premium between these two tiers is about $78. If you can afford the up-front expense, it's worth considering.

Coverage LevelAverage Yearly Renters Insurance Rate in Delaware
$25K Property$171
$50K Property$249

Tip: bundle renters and auto insurance in Delaware

If you're looking for savings, consider purchasing both your car and renters insurance policies from one company. Bundling auto and renters insurance in Delaware can save you a substantial sum each month on your auto insurance policy. Bundling policies in Delaware may generate yearly savings of $98.

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

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

Delaware renters insurance FAQs

How do I find renters insurance in Delaware?

There are many insurance providers in renter that sell renters insurance. Our best recommendation is to shop around with as many companies as possible to find the best coverage for the cheapest premium.

Is renters insurance mandatory in Delaware?

While your state won't require renters insurance, your landlord might. Generally, renters insurance is $10-$15 per month and is highly recommended.

Need renters insurance? Talk to an expert today.

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET,, and Kin Insurance.