The Best Home Insurance in Delaware for 2024

The average cost of homeowners insurance in Delaware is $860 per year, or about $72 per month, according to a NerdWallet analysis. For comparison, the national average is $1,915 per year.

NerdWallet analyzed data from numerous insurance companies to help you find the best home insurance in Delaware in the following categories:

• Best for affordability: Nationwide.

• Best for coverage: State Farm.

• Best for consumer experience: Amica and Nationwide.

The rates in our analysis are estimates based on many factors, so your rate may differ.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state. Even if an insurer serves your state, it may not write policies for all homes in all areas.

Best affordable homeowners insurance in Delaware: Nationwide

In Delaware, the average annual premium for Nationwide is $810, which is less than the state average of $860.

We like Nationwide for its wide variety of coverage options. For example, its standard homeowners insurance policy generally includes ordinance or law coverage, which can help pay to bring your home up to current building codes after a covered claim. You can add other coverage for things like identity theft and damage from backed-up sewers and drains.

Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.

Learn more with our Nationwide homeowners insurance review.

Best homeowners insurance in Delaware for coverage: State Farm

As America’s largest insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.

Learn more with our State Farm homeowners insurance review.

Best homeowners insurance in Delaware for consumer experience: Amica and Nationwide

Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners, or NAIC.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

Get more information in our Amica homeowners insurance review.

Nationwide also earned high marks for consumer experience. Its website offers plenty of ways to manage your policy, including filing and tracking claims, paying bills and getting quotes. The company also has a comprehensive and highly rated mobile app. Learn more with our Nationwide homeowners insurance review.

Full list of the best homeowners insurance in Delaware

NerdWallet analyzed home insurance companies across the state to find the best home insurance in Delaware. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:

» MORE: The best home insurance companies

How much does homeowners insurance cost in Delaware?

The average annual cost of home insurance in Delaware is $860. That’s 55% less than the national average of $1,915.

In most U.S. states, including Delaware, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Delaware, those with poor credit pay an average of $2,175 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 153% more than those with good credit.

» MORE: Does your credit score affect home insurance rates?

Average cost of homeowners insurance in Delaware by city

How much you pay for homeowners insurance in Delaware depends on where you live. For instance, the average cost of home insurance in Wilmington is $810 per year, while homeowners in Dover pay $860 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

The cheapest home insurance in Delaware

Here are the insurers we found with average annual rates below the Delaware average of $860.

» MORE: The cheapest homeowners insurance

What to know about Delaware homeowners insurance

You may face certain risks when living in Delaware Here are a few of the most common, along with steps you can take to insure your home properly against them.

Hurricanes and wind damage

Hurricanes and coastal storms can cause significant damage to properties, even if they don’t make landfall. Make sure you have enough coverage for the wind and water damage these tropical storms can bring.

Your policy may have separate deductibles for hurricane and wind damage. Suppose your policy has a $1,000 deductible for most claims and a 2% deductible for wind claims. If your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $5,000 of wind damage yourself.

Standard home insurance policies do not typically cover flood damage. For that, you’ll need separate flood insurance.

Flooding

Standard homeowners insurance will not cover flood damage, which means people in at-risk areas should consider buying separate coverage.

To find out your risk, check out the Federal Emergency Management Agency's flood maps and RiskFactor.com, a website from the nonprofit First Street Foundation. Even if your property is deemed low risk, it may be worthwhile to purchase flood insurance for extra peace of mind.

Homeowners in flood-prone areas may need to purchase separate flood insurance. Remember that while you can purchase flood coverage at any time, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods.

» MORE: Why you might need flood insurance, even if it's not required

Thunderstorms and hail

Standard policies generally cover storm damage but keep in mind that, as with wind, hail damage may have a separate deductible.

» MORE: Home insurance calculator: Estimate your rate

Delaware insurance department

The Delaware Department of Insurance oversees the state’s insurance industry. In addition to providing consumer information, the agency’s website is also a resource if you’re having a dispute with your insurer. You can file a complaint using its online form. You can also reach out to the department with questions or to get support with your complaint at 800-282-8611 or [email protected].