Delaware Home Insurance Costs (2026)

How much is homeowners insurance in Delaware?

Delaware homeowners insurance averages $136 a month for our sample house, and the same house costs less to insure in only seven places: Vermont, New Hampshire, California, Maine, Oregon, New Jersey and Washington. Our figures are for a $300,000 dwelling; insuring a larger or costlier house for more usually costs more.

Which home insurers did we compare in Delaware?

We compared 3 major home insurers in Delaware: State Farm, Travelers and Liberty Mutual. Each one priced our sample home in all 46 Delaware ZIP codes in our data, which span all three counties. That’s a small sample: Delaware’s Department of Insurance lists 38 companies that may offer standard homeowners policies in the state (list updated Feb. 25, 2026), so your quotes may include insurers we didn’t price. We ranked them by price for one house, not by service or claims handling.

For the same insurers and ZIP codes, the Delaware average rose 7.0% since Nov. 2025, from $1,526 a year on Nov. 30, 2025, to $1,633 on Sept. 30, 2026. All of that rise came from one insurer: State Farm’s average rose 28.0%, from $1,138 to $1,457 a year, while Travelers’ and Liberty Mutual’s didn’t change.

Homeowners insurance averages by insurer in Delaware for our sample home (rates as of Sept. 30, 2026)

State Farm averaged $121 a month ($1,457 a year), Travelers $141 ($1,697) and Liberty Mutual $145 ($1,744) for our sample home.

Who has the cheapest home insurance in Delaware?

For our sample home, State Farm had the lowest average of the 3 insurers we compared, $121 a month, 14.2% below Travelers’ $141 for the same house.

That order isn’t fixed across Delaware. In New Castle County, Travelers averaged $1,002 a year for our sample home, below State Farm’s $1,302 there, while in Kent and Sussex counties State Farm was lowest and Travelers highest. Prices for the same house vary by insurer and place, so the insurer with the lowest average for our sample home may not be lowest for yours; compare a few quotes.

Is $136 a month a lot for home insurance in Delaware?

Not compared with most of the country. For our sample house, Delaware is the 8th lowest of the 50 states and D.C.: 43 of the other 50 places cost more, and Delaware’s average is 47.4% below the $258-a-month average across all 51. Within Delaware, though, a beach address can pay well above $136.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Delaware, where the house sits moved the price far more than which insurer you pick: ZIP averages for this house ran from $90 to $207 a month, a $117 gap, against $24 between insurers’ statewide averages. Within one ZIP code the insurer still matters, so compare quotes for your own address.

Why does the same house cost more near the Delaware beaches?

For our identical sample home, eight ZIP codes in coastal Sussex County towns average $190 a month ($2,277 a year), 65.1% more than the $115 a month ($1,380 a year) the same house averages across New Castle and Kent counties. Inland Sussex costs more too, at $161 a month. Our figures don’t separate causes, but these towns sit near the Atlantic Ocean, Delaware Bay and the inland bays.

The same house on the Sussex coast and inland (rates as of Sept. 30, 2026)

Coastal Sussex towns: Rehoboth Beach, Lewes, Ocean View, Millsboro, Dagsboro, Milton, Frankford and Selbyville, one ZIP code each in our data.

Every insurer we compared charged more in Sussex County than in New Castle County for our sample home, but not by the same amount: Travelers’ Sussex average, $2,542 a year, was about 2.5 times its New Castle average of $1,002, while State Farm’s went from $1,302 to $1,671.

Superstorm Sandy at Lewes

During Superstorm Sandy in October 2012, the tide gauge at Lewes recorded a storm surge of 5.34 feet, and the gauge at Delaware City recorded 5.99 feet above normal tide levels, according to the National Hurricane Center.

Flood risk reaches past the flood maps

Sea levels along Delaware’s coast are rising at roughly twice the global average, with tide gauges showing up to 15 inches of rise over the past century, according to the state’s environmental agency, DNREC (January 2026). It also warns that many properties outside mapped floodplains are at risk, and none of that flood damage is covered by a standard home policy.

Wind and hail reach every county

Strong winds, usually from severe thunderstorms, are the most common severe weather in Delaware, and the state averages 2 to 3 reports of large hail a year, most often in June, according to the University of Delaware’s climate office (page updated July 2024). Wind and hail claims are subject to the deductible on your policy.

What does a Delaware homeowners policy cover?

A homeowners policy covers the house, your belongings, extra living costs after a covered loss and your liability, and all six coverages below are inside the $1,633-a-year Delaware average for our sample home.

• Dwelling ($300,000): the house itself, from the foundation to the roof.
• Other structures ($30,000): a detached garage, fence or shed.
• Personal property ($150,000): furniture, clothes and electronics.
• Loss of use ($30,000): a rental and other extra costs while repairs keep you out.
• Personal liability ($300,000): legal defense and damages if you’re responsible for someone’s injury or property damage.
• Medical payments ($5,000): smaller medical bills for a guest hurt at your home.

Say a summer thunderstorm tears off part of the roof and the repair costs $12,000. With the $1,000 deductible we priced, the policy would pay up to $11,000. If a hurricane caused the same damage and your policy had a 2% hurricane deductible, you’d pay the first $6,000 instead. Flood damage needs a separate policy.

How do hurricane, wind and hail deductibles work in Delaware?

Your deductible is the amount you pay out of pocket on a claim. The house we priced has a $1,000 deductible for covered losses other than a hurricane. Our sample request also includes a 2% hurricane deductible, the same setting we use in every state; real Delaware policies may use a separate hurricane, wind or hail deductible, so ask for yours.

Many Delaware policies do carry a separate one. The state’s Department of Insurance says many homeowners policies call for a separate deductible, typically 2% of the property’s value, before losses from wind, rain, hail, tornadoes or cyclones caused by a hurricane are covered.

What Delaware law requires: an insurer must give you clear and prominent notice of any separate wind, hail or hurricane deductible, including what triggers it, and for a percentage deductible, an example of how it applies to a loss. The law’s own example: a 2% deductible on a house insured for $300,000 means the owner pays $6,000. If your policy has no separate deductible, no notice is required, so check your declarations page.

Your hurricane or wind deductible in dollars (illustration only)

The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, about 3.7 times the $1,633 a year that house averages in Delaware.

A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.

What if an insurer won’t renew your Delaware home?

Delaware law says a home insurer that won’t renew your policy must send written notice at least 30 days before the policy period ends, with its specific reasons. It also limits nonrenewals based only on claims: generally, an insurer can’t drop you over weather claims unless 3 or more were made in the prior 36 months, or over other claims unless there were 2 or more in 60 months. Exceptions include a substantial change in the risk, or repairs you were asked to make and didn’t.

To cancel a policy mid-term, an insurer must give at least 30 days’ notice, or 10 days for nonpayment, and the state’s Department of Insurance says an insurer can cancel for any reason only within a policy’s first 60 days.

If regular insurers turn you down, the Delaware FAIR Plan (the Insurance Placement Facility of Delaware) offers basic property insurance for your house and belongings; it doesn’t include liability coverage. You can reach it at (800) 462-4972 or defairplan.com. If three insurers turn you down, an agent can also look for coverage from specialty insurers (surplus lines).

For our sample home, all 3 insurers we compared priced every one of the 46 Delaware ZIP codes in our data, beach towns included.

How much is condo insurance in Delaware?

Condo insurance for our sample condo averages $29 a month ($348 a year) in Delaware. For our sample condo, prices among the 4 insurers we compared ranged from $21 to $37 a month, a $16-a-month gap for the same unit. State Farm had the lowest condo average of the 4, $21 a month, 17.1% below Travelers’ $25.

Condo insurance averages by insurer in Delaware for our sample condo (rates as of Sept. 30, 2026)

State Farm averaged $21 a month ($250 a year), Travelers $25 ($301), Allstate $33 ($398) and Liberty Mutual $37 ($441) for our sample condo.

Delaware’s condo average is the 13th lowest of the 50 states and D.C., 27.8% below the $40-a-month average across those 51 places. Our sample condo costs about 21% of what our sample home costs to insure in Delaware.

For the same insurers and ZIP codes, the Delaware condo average stayed about the same since Nov. 2025, $29 a month, as only State Farm’s condo average moved (up 5.5%). By ZIP code, the condo average runs from $27 a month in Harrington and Hartly to $33 in Selbyville’s 19975.

Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.

• $60K unit coverage
• $60K belongings
• $1,000 deductible
• Built 2005

Which part of a Delaware condo is yours to insure?

The association’s master policy covers the building, and your condo policy covers what the master policy and the association’s rules leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings.

What to check with your HOA before you buy condo insurance

• The master policy: ask the association or manager for its certificate of insurance and declarations page.
• Bare walls or more: find out whether it stops at the bare walls or also covers fixtures and finishes; that sets your unit coverage.
• The master deductible: ask how large it is and whether the association can pass part of it to owners after a hurricane or coastal storm.
• Loss assessment: ask your insurer how much loss assessment coverage your policy includes (it can pay your share if the association bills owners for a covered loss to shared parts of the building).

Official resources for Delaware homeowners

• Delaware Department of Insurance: consumer services Help with home insurance questions and complaints, and the consumer line, 1-800-282-8611.
• Delaware Department of Insurance: Homeowners Guide What a policy covers, hurricane deductibles, flood and how to shop.
• Delaware Code, Title 18, Chapter 41, Subchapter III The state’s cancellation and nonrenewal rules for homeowners policies.
• Delaware FAIR Plan Basic property insurance for homes that regular insurers decline.
• DNREC: sea level rise How rising water affects Delaware’s coast and floodplains.
• National Hurricane Center: Hurricane Sandy report Storm surge and damage in Delaware.
• FEMA Flood Map Service Center The official source for FEMA flood maps.
• FloodSmart FEMA’s site for the National Flood Insurance Program.