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Cumberland Insurance is the best homeowners insurance company in Delaware, based on a 2023 analysis by Insurance.com, with an overall rating of 4.55. State Farm is the second-best home insurance company in Delaware, with an overall rating of 4.23.

Cumberland also has the cheapest home insurance in Delaware at $905 a year.

With so many options out there, it is not easy to choose a homeowners insurance company in Delaware. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.

Key takeaways

  • The average cost of homeowners insurance in Delaware is $1,389 a year or $115 a month.
  • The cheapest homeowners insurance company in Delaware is Cumberland Insurance. It offers home insurance at an average of $905 a year.
  • Cumberland ranked as the best insurance company in Delaware based on rates, complaints and financial stability.

Average home insurance cost in Delaware

The average cost of homeowners insurance in Delaware is $1,389 a year or $115 a month. This is based on coverage of:

  • $300,000 dwelling
  • $300,000 liability
  • $1,000 deductible
  • 2% Hurricane deductible

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Delaware homeowners insurance companies to get the best deal.

Best home insurance companies in Delaware

The best home insurance company in Delaware for 2023 is Cumberland Insurance, followed by State Farm and Nationwide.

Below is a full list of the top Delaware insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Delaware
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
Cumberland InsuranceA-$9050.34.55
State FarmA++$1,0641.074.23
NationwideA+$1,1510.754.11
TravelersA++$1,6370.63.42
American FamilyA$1,5850.63.22
AllstateA+$1,2172.043.2

Cheapest home insurance companies in Delaware

Below are Delaware home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Cumberland Insurance has the most affordable rates in every category.

Cheapest home insurance rates in Delaware by coverage level
Company$200,000$300,000$400,000$500,000$600,000
Cumberland Insurance$703$905$1,106$1,308$1,516
State Farm$850$1,064$1,295$1,575$1,839
Nationwide$898$1,151$1,420$1,835$2,287
Allstate$982$1,217$1,447$1,728$1,970
American Family$1,208$1,585$1,986$2,488$2,903
Travelers$1,268$1,637$2,141$2,799$3,269

Delaware home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Delaware to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

HOME INSURANCE CALCULATOR

Average home insurance rates in FLORIDA

$200,000
$1,000
$100,000
33315 - Fort Lauderdale
Dwelling $200,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $1,986

HIGHEST RATE: $5,304 LOWEST RATE: $491

Most & least expensive zip codes for homeowners insurance in Florida

Most Expensive

Zip CodeCityHighest Rate
32805Holden Heights$5,278
33455Hobe Sound$5,273
33150Gladeview$5,065
32806Conway$5,052

Least Expensive

Zip CodeCityLowest Rate
34234North Sarasota$1,134
32071O Brien$1,136
34994North River Shores$1,137
33544Wesley Chapel$1,140

The most expensive ZIP codes in Delaware for home insurance

Delaware homeowners insurance rates are the most expensive for ZIP code 19944, with an average annual cost of $1,954.

The most expensive ZIP codes in Delaware are in these cities:

ZIP codeAverage annual rates
19944$1,954
19930$1,946
19971$1,782
19958$1,740
19970$1,724
19967$1,625

The least expensive ZIP codes in Delaware for home insurance

The cheapest ZIP codes for home insurance in Delaware are

ZIP codeAverage annual rates
19808$992
19736$1,034
19707$1,041
19711$1,047
19807$1,049
19810$1,050

Compare homeowners insurance rates by city in Delaware

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Delaware.

CityAnnual insurance premium
Dover
$879
Elsmere
$842
Georgetown
$1,058
Middletown
$820
Milford
$1,027
Newark
$823
Seaford
$1,005
Smyrna
$841
Wilmington
$840

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