When it comes to homeowners insurance, there is no one-size-fits-all. That's why we've analyzed quotes from all the major providers and compiled a list of companies that offer quality coverage at affordable prices.
State Farm is the best homeowners insurance company, based on the J.D. Power score. It has earned 835 scores out of 1000 from J.D. Power and AM Best rated it A++, which is the highest they offer.
There are many different homeowners insurance companies to choose from, and most insurers offer similar coverage at different rates. This guide will compare the homeowners insurance in Delaware, giving you some insight into what each offers and how much it would cost to insure your home.
- State Farm is the best homeowners insurance company.
- Delaware homeowners insurance costs $1,521 a year or $127 a month, on average.
- Nationwide offers the cheapest rate for home insurance in Delaware.
- Best home insurance companies in Delaware
- Compare best homeowners insurance companies in Delaware
- Average cost of homeowners insurance in Delaware
- 10 Most expensive zip codes in Delaware for homeowners insurance
- 10 Least expensive zip codes in Delaware for homeowners insurance
- Cheap homeowners insurance in Delaware
- Home and auto bundle discounts in Delaware
Best home insurance companies in Delaware
If you're looking for the best homeowners insurance company in Delaware, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in Delaware:
- State Farm
- Progressive
- USAA
Compare best homeowners insurance companies in Delaware
You can't afford to take any chance when it comes to buying a homeowners insurance policy for your home. That's why it is important to compare insurance companies before deciding on which Delaware homeowners insurance company to choose.
We have done the research for you. After comparing insurance companies based on their ratings from J.D Power, we have put together a list of the best home insurance companies in Delaware.
| Company | Overall rating | J.D. Power score | AM Best rating |
|---|---|---|---|
| State Farm | 3 | 835 | A++ |
| Progressive | 3 | 821 | A+ |
| USAA | 2 | 882 | A++ |
Average cost of homeowners insurance in Delaware
Delaware homeowners insurance costs $1,521 a year or $127 a month, on average. Homeowners insurance policy rates vary depending on where you live, the age of your home, building cost in your area, among other factors.
It's essential to shop around and compare homeowners insurance rates from different companies to find affordable homeowners insurance. Prices vary by hundreds of dollars for the same coverage, if you don't compare rates, you may end up paying extra for home insurance.
| Average annual premium | Average monthly premium |
|---|---|
| $1,521 | $127 |
10 Most expensive zip codes in Delaware for homeowners insurance
There are parts of Delaware that have higher risks of natural disasters and other hazards than others. These areas also tend to have more expensive ZIP codes for homeowners insurance due to increased risk factors.
The most expensive ZIP code in Delaware is 19944. Its average rate for home insurance is $1,506 a year.
Below are the most expensive ZIP codes and their average annual home insurance rates.
| ZIP code | Average annual rate |
|---|---|
| 19944 | $1,506 |
| 19930 | $1,499 |
| 19970 | $1,478 |
| 19971 | $1,454 |
| 19958 | $1,428 |
| 19967 | $1,409 |
| 19969 | $1,396 |
| 19966 | $1,380 |
| 19945 | $1,348 |
| 19961 | $1,320 |
10 Least expensive zip codes in Delaware for homeowners insurance
The least expensive ZIP code in Delaware is 19808. Its average rate for homeowners insurance is $833 a year. It's $688 less than the state average ($1,521).
We have gathered home insurance rates from major insurance providers across all the ZIP codes and compiled a list of the ten most expensive ZIP codes for Delaware homeowners.
| ZIP code | Average annual rate |
|---|---|
| 19808 | $833 |
| 19736 | $839 |
| 19735 | $845 |
| 19707 | $853 |
| 19717 | $854 |
| 19807 | $855 |
| 19711 | $858 |
| 19734 | $861 |
| 19732 | $864 |
| 19810 | $866 |
Cheap homeowners insurance in Delaware
The average rate of Delaware homeowners insurance varies based on the insurance company you pick. If you are looking for an affordable home insurance company, Nationwide offers the cheapest rate for home insurance in Delaware at an average of $1,104 per year-- $417 less than the state average ($1,608).
Following is a list of the cheapest home insurance companies in Delaware-
| Company name | Average annual premium |
|---|---|
| Nationwide | $1,104 |
| Allstate | $1,435 |
| Liberty | $1,509 |
| Travelers | $1,621 |
| State Farm | $1,773 |
| Liberty | $2,013 |
Home and auto bundle discounts in Delaware
If you're looking for a way to save on your Delaware homeowners insurance, consider purchasing both home and auto policies from the same company. Not only will your rates be cheaper, but also there will be less paperwork.
A home and auto insurance bundle can help you save an average of $269 or 23% a year on your insurance premium.
Let's find out what Delaware homeowners insurance companies offer a discount on the homeowners insurance bundle and how much you can save.
| Company | $ Bundle average saving | % Bundle average saving |
|---|---|---|
| Allstate | $352 | 30% |
| State Farm | $335 | 32% |
| Nationwide | $253 | 22% |
| Travelers | $138 | 8% |
