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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How to get affordable 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.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions

Renters insurance prices in Delaware by 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.

Company Average 12-Month Rate in Delaware
Cumberland Insurance Group $103
State Farm $115
Travelers $155
Allstate $175
Liberty $259

Delaware renters insurance costs 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.


City Average 12-Month Renters Insurance Rate
Middletown $206
Hockessin $206
Newark $206
Brookside $206
Claymont $206

Renters insurance in DE 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 Level Average Yearly Renters Insurance Rate in Delaware
$25K Property $171
$50K Property $249


Tip: bundle auto and renters 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. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$1,828 $1,730 $98 6%


Delaware renters insurance FAQs


Is renters insurance required 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.

What does Delaware renters insurance cover?

In Delaware, renters insurance will replace personal belongings should they be destroyed, lost, or stolen. Most policies will also provide liability coverage, medical payments to others, and will cover temporary housing costs should your home be unihabitable.


Need renters insurance? Talk to an expert today.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.