Wilmington Home Insurance at a Glance
For the same house, homeowners insurance in Wilmington averaged $1,185 a year ($99 a month) across the 3 insurers we compared, 27.4% below the Delaware average of $1,633 a year. That’s for a 2,000 sq ft wood-frame house with a composition roof, built in 1997 and insured for $300,000 with a $1,000 deductible and a 2% hurricane deductible.
For the same home, prices among the 3 insurers we compared ranged from $65 to $128 a month, a $63-a-month gap for identical coverage. These are sample prices for one example home, not quotes or offers.
- $300K dwelling
- $1,000 deductible
- 2% hurricane deductible
- $300K liability
- Built 1997
- Composition roof
- 2,000 sq ft wood-frame house
- See the homes we priced
Rates as of Sept. 30, 2026 · Page updated Nov. 2, 2026
Wilmington home insurance: key numbers
- Home
- $1,185/yr $99/mo
- Renters
- $225/yr $19/mo
- Condo
- $328/yr $27/mo
How much is homeowners insurance in Wilmington?
Homeowners insurance in Wilmington averages $99 a month for the house we priced, with rates as of Sept. 30, 2026. The 3 major insurers we compared are Travelers, State Farm and Liberty Mutual, and each one priced our sample home in all 10 Wilmington ZIP codes in our data, in New Castle County. For this house, Wilmington is below the Delaware average of $136 a month; it’s the only Delaware city in our data with at least 5 ZIP codes priced.
Our figures are for a $300,000 dwelling, which works out to about $3.95 a year for each $1,000 of dwelling coverage in Wilmington; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.
For the same insurers and ZIP codes, the Wilmington average rose 5.0% since Nov. 2025, from $1,129 a year ($94 a month) on Nov. 30, 2025, to $1,185 ($99) on Sept. 30, 2026, as State Farm’s rose 16.0% and the other insurers’ prices didn’t change.
Homeowners insurance averages by insurer in Wilmington for our sample home (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| Travelers | $65 | $784 |
| State Farm | $103 | $1,231 |
| Liberty Mutual | $128 | $1,541 |
Travelers averaged $65 a month ($784 a year), State Farm $103 ($1,231) and Liberty Mutual $128 ($1,541) for our sample home.
Same sample home: each insurer’s average yearly price in the same Wilmington ZIP codes, Nov. 30, 2025 and Sept. 30, 2026
| Insurer | Nov. 30, 2025 (per year) | Sept. 30, 2026 (per year) | Change |
|---|---|---|---|
| State Farm | $1,061 | $1,231 | +16.0% |
| Liberty Mutual | $1,541 | $1,541 | No change |
| Travelers | $784 | $784 | No change |
All 3 insurers in the table priced the same 10 Wilmington ZIP codes on both dates.
By ZIP code: each insurer’s yearly price for the same house changed with the Wilmington address:
- Travelers ran from $641 a year in 19808 to $859 in 19801.
- State Farm ran from $1,155 a year in 19805 to $1,313 in 19801.
- Liberty Mutual ran from $1,427 a year in 6 ZIP codes, including 19803 to $1,711 in 4 ZIP codes, including 19801.
Against each insurer’s statewide price: for the same house, here is how each insurer’s Wilmington average compares with its own average across the Delaware ZIP codes it priced:
- Travelers: $784 a year in Wilmington, 53.8% less than its Delaware average of $1,697.
- State Farm: $1,231 a year in Wilmington, 15.5% less than its Delaware average of $1,457.
- Liberty Mutual: $1,541 a year in Wilmington, 11.7% less than its Delaware average of $1,744.
Who has the cheapest homeowners insurance in Wilmington?
Prices for the same home vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.
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 Wilmington, ZIP code averages for this house ran from $90 to $108 a month, while insurers’ Wilmington averages ran from $65 to $128.
If prices stayed where they are today, the $757-a-year gap between the lowest and highest averages among the insurers anyone can buy from in Wilmington would add up to $3,785 over five years for this house.
Wilmington, DelawareRates as of Sept. 30, 2026
Wilmington Home Insurance Cost Calculator
Same sample home and coverage in all 10 Wilmington ZIP codes we priced, from insurers’ filed rates. Only the insurer and the ZIP code change.
In Wilmington, our sample house costs $99 a month ($1,185 a year) on average across 10 ZIP codes and 3 insurers, 27.4% below the Delaware average of $136 a month. Rates as of Sept. 30, 2026.
| Insurer | A month | A year | ZIP codes priced |
|---|---|---|---|
| Travelers Two lowest | $65 | $784 | 10 |
| State Farm Two lowest | $103 | $1,231 | 10 |
| Liberty Mutual | $128 | $1,541 | 10 |
Our sample houseSame in every ZIP code, so only the price changes
- 2,000 sq ft, two-story
- Frame house, composition roof
- Built in 1997
- $300,000 dwelling coverage
- $300,000 liability
- $1,000 deductible
- 2% hurricane deductible where used
- Owner 40, good credit, no claims in 10 years
Sample prices built from insurers’ filed rates, not quotes or offers.
- Two lowest-priced insurers anyone can buy from: Travelers ($65 a month) and State Farm ($103 a month), in Wilmington.
- Lowest and highest ZIP code averages: 19808 at $90 a month and 19801 at $108 a month.
Try a ZIP code:
- Same sample policy in every ZIP code
- Insurers’ filed rates as of Sept. 30, 2026
- Sample prices, not quotes or offers
How we priced this
We priced one sample policy per type. House: a 2,000-square-foot, two-story frame house with a composition roof, built in 1997, with $300,000 in dwelling coverage, $300,000 liability, a $1,000 deductible and a 2% hurricane deductible; a 40-year-old owner with good credit and no claims in 10 years. Condo: a condo policy with $60,000 of condo coverage, $300,000 liability and a $1,000 deductible (building built in 2005); a 40-year-old owner with good credit and no claims. Renters: a renters policy with $40,000 for your belongings, $300,000 liability and a $1,000 deductible; a 40-year-old renter with good credit and no claims. For each insurer and ZIP code we use the lowest price it returned that can actually be bought; a ZIP code’s average is the average of its insurers, and the Wilmington average is the average of its ZIP codes, so each ZIP code counts once.
When one insurer’s lead over the next is under 5% or over 30%, we name the two lowest instead of one. Insurers that sell only to members (USAA, AAA clubs) are labeled and never called the lowest price anyone can buy.
Your ZIP code matters
Does your Wilmington ZIP code change the price?
Lowest vs. highest ZIP code for our sample home (rates as of Sept. 30, 2026)
Lowest
19808
Wilmington (New Castle County)
$90/mo
$1,077 a year
Highest
19801
Wilmington (New Castle County)
$108/mo
$1,294 a year
In Wilmington, the insurer you pick changes the price far more than the ZIP code does: for our sample home, insurers’ Wilmington averages are $757 a year apart, from $784 to $1,541, while ZIP code averages are $217 a year apart, from $1,077 to $1,294 (each ZIP average includes every insurer we priced there).
Of the 10 Wilmington ZIP codes we priced, 4 averaged more than the city’s $99 a month for this house, 5 less and 1 the same.
Leaving out the 2 lowest- and 2 highest-priced ZIP codes, the middle 6 of the 10 Wilmington ZIP codes we priced averaged $95 to $103 a month for this house.
The three lowest-priced Wilmington ZIP codes for our sample home are 19808 ($90 a month), 19807 ($95 a month) and 19804 ($95 a month); the three highest are 19801 ($108), 19806 ($103) and 19802 ($103).
Average home and condo insurance prices by ZIP code in Wilmington, DE, for the homes we priced (rates as of Sept. 30, 2026). Monthly averages; renters ($19) were the same in every ZIP code.
| ZIP | Home | Condo |
|---|---|---|
| 19808 | $90 | $27 |
| 19807 | $95 | $27 |
| 19804 | $95 | $27 |
| 19803 | $96 | $27 |
| 19810 | $97 | $27 |
| 19809 | $99 | $27 |
| 19805 | $101 | $28 |
| 19802 | $103 | $27 |
| 19806 | $103 | $27 |
| 19801 | $108 | $27 |
Each ZIP code’s figure averages the insurers we priced there.
Same house, different city: how does Wilmington compare?
Wilmington is the only Delaware city in our data with at least 5 ZIP codes priced, so the table compares it with the state as a whole.
Same sample home: average home insurance prices in Wilmington and the Delaware average (rates as of Sept. 30, 2026)
| Place | Per month | Per year | vs. state |
|---|---|---|---|
| Wilmington | $99 | $1,185 | −27.4% |
| Delaware | $136 | $1,633 | Baseline |
| Average of the 50 states and D.C. | $258 | $3,101 | +89.9% |
Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.
Across the U.S., 10 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Wilmington, and 281 a higher one.
For the statewide picture, see home insurance costs in Delaware, Newark home insurance costs and Dover home insurance costs.
Compare all states: home insurance costs for the same house in all 50 states and D.C.
What does a Wilmington homeowners policy cover?
A standard homeowners policy pays to repair or rebuild after covered damage such as fire, lightning, wind and hail, theft and some water damage from burst pipes; flood and earthquake damage need separate coverage. All six coverages below are inside the $1,185-a-year Wilmington average for our sample home.
- Dwelling ($300,000): the house itself, from the foundation to the roof.
- Other structures ($30,000): a detached garage, carport, 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 storm damages the roof and the repair costs $15,000. With the $1,000 deductible we priced, the policy would pay up to $14,000. With a 2% wind and hail deductible on the same $300,000 house, you’d pay the first $6,000 instead, and the policy up to $9,000.
How much is homeowners insurance on a $300,000 house in Wilmington?
For a house with $300,000 of rebuilding coverage, a $1,000 deductible and a 2% hurricane deductible, homeowners insurance in Wilmington averages $99 a month ($1,185 a year) across the 3 insurers we compared in 10 ZIP codes (rates as of Sept. 30, 2026). That’s 27.4% below the $136-a-month Delaware average for the same house. Insurers’ averages for that same house ran from $65 to $128 a month.
Is $200 a month a lot for home insurance in Wilmington?
$200 a month is 102.5% above our sample home’s $99-a-month Wilmington average. All 3 insurers we compared averaged under $200 for the same house. If a quote for your home is near $200, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.
Why your Wilmington quote may differ from these prices
Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.
Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.
Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Wilmington quote above the $99 a month our claim-free, good-credit owner averages.
Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.
What is the 80% rule in homeowners insurance?
A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. Delaware’s Department of Insurance says the amount of coverage should be based on the true cost of rebuilding. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.
What drives home insurance prices in Wilmington?
For our sample house, Wilmington’s average is 61.8% below the average of the 50 states and D.C. Our figures don’t separate causes; these official records show what Wilmington homes face.
On Sept. 2, 2021, the remnants of Ida pushed the Brandywine Creek in Wilmington to 23.14 feet, above its previous record of 20.43 feet, according to the State of Delaware.
Flooding is the most common natural disaster in Delaware, the Delaware Emergency Management Agency says.
A major disaster was declared on Oct. 24, 2021 for the September 2021 Ida flooding, covering public assistance and small-business loans in New Castle County, where Wilmington is.
New flood maps took effect Jan. 22, 2020 for parts of New Castle County, covering more than 96 miles of streams, mostly in the Brandywine-Christina watershed.
In FEMA’s damage review of the September 2021 Ida flooding, 27% of affected Delaware homes had flood insurance; standard home policies leave flood out.
How do hurricane and wind deductibles work in Wilmington?
Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample home request also includes a 2% hurricane deductible, a setting we use in every state; real policies near the coast may carry a larger hurricane deductible, so ask for yours.
Many Delaware policies carry a separate hurricane deductible. 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, and Delaware law requires insurers to give clear notice of any separate wind, hail or hurricane deductible.
Your wind and hail deductible in dollars (illustration only)
| Dwelling coverage | 1% | 2% | 5% |
|---|---|---|---|
| $200,000 | $2,000 | $4,000 | $10,000 |
| $300,000 (our sample home) | $3,000 | $6,000 | $15,000 |
| $400,000 | $4,000 | $8,000 | $20,000 |
The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $1,185 a year that house averages in Wilmington.
A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.
How to find cheaper home insurance in Wilmington
For our sample home, insurers’ Wilmington averages ran from $784 to $1,541 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.
Compare at least three insurers: even one insurer’s price moves a lot by address: Liberty Mutual’s for our sample home ran from $1,427 to $1,711 a year depending on the Wilmington ZIP code.
Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 61 months of Wilmington’s $99-a-month average premium).
Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.
Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.
Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.
Guard a clean record: our sample owner has no claims in 10 years, and the $99-a-month Wilmington average assumes that clean record; a recent claim can raise a quote.
What if an insurer won’t renew your Wilmington 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. Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the Delaware Department of Insurance at 1-800-282-8611.
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.
In our data, every insurer we compared priced our sample home in all 10 Wilmington ZIP codes.
Got a nonrenewal notice?
- Note the date your coverage ends and start shopping now.
- Get quotes from at least three insurers (we compared 3 in Wilmington, from $65 to $128 a month for the same house), or ask a licensed agent to compare them for you.
- If insurers turn you down, ask a Delaware-licensed agent about the Delaware FAIR Plan.
- If the notice looks wrong, call the Delaware Department of Insurance at 1-800-282-8611.
Ready to compare
How much is renters insurance in Wilmington?
Renters insurance for our sample renter averages $19 a month ($225 a year) in Wilmington. For our sample renter, prices among the 4 insurers we compared ranged from $12 to $28 a month, a $16-a-month gap for the same coverage.
Renters insurance averages by insurer in Wilmington for our sample renter (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $12 | $148 |
| Travelers | $16 | $190 |
| Allstate | $19 | $230 |
| Liberty Mutual | $28 | $331 |
State Farm averaged $12 a month ($148 a year), Travelers $16 ($190), Allstate $19 ($230) and Liberty Mutual $28 ($331) for our sample renter.
State Farm had the lowest renters average for our sample renter of the insurers anyone can buy from, $12 a month ($148 a year), 22.0% below Travelers’ $190 a year, the next of those insurers. Another insurer may be lower for your apartment, so compare quotes.
Wilmington’s renters average is 3.3% below the Delaware renters average of $232 a year ($19 a month) and 12.3% below the average of the 50 states and D.C., $256 a year ($21 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 91 have a lower renters average for our sample renter than Wilmington, 200 a higher one.
For the same insurers and ZIP codes, the Wilmington renters average barely moved since Nov. 2025: it rose 0.4%, from $224 to $225 a year, as State Farm’s rose 2.8% and the other insurers’ prices didn’t change.
Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 40 sample prices by 4 insurers across 10 Wilmington ZIP codes.
- $40K belongings
- $300K liability
- $1,000 deductible
What does renters insurance cover in a Wilmington apartment?
Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Wilmington, that package averages $19 a month; flood and earthquake damage need separate coverage.
How we got these renters prices: each insurer’s average across the 10 Wilmington ZIP codes in our data. Sample prices, not quotes or offers.
How much is condo insurance in Wilmington?
Condo insurance for our sample condo averages $27 a month ($328 a year) in Wilmington. For our sample condo, prices among the 4 insurers we compared ranged from $17 to $36 a month, a $19-a-month gap for the same coverage.
Condo insurance averages by insurer in Wilmington for our sample condo (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| Travelers | $17 | $208 |
| State Farm | $24 | $293 |
| Allstate | $31 | $377 |
| Liberty Mutual | $36 | $435 |
Travelers averaged $17 a month ($208 a year), State Farm $24 ($293), Allstate $31 ($377) and Liberty Mutual $36 ($435) for our sample condo.
Travelers had the lowest condo average for our sample condo of the insurers anyone can buy from, $17 a month ($208 a year), 29.1% below State Farm’s $293 a year, the next of those insurers. Your unit may price differently, so get a few condo quotes.
Wilmington’s condo average is 5.6% below the Delaware condo average of $348 a year ($29 a month) and 31.8% below the average of the 50 states and D.C., $481 a year ($40 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 18 have a lower condo average for our sample condo than Wilmington, 273 a higher one.
For the same insurers and ZIP codes, the Wilmington condo average rose 1.2% since Nov. 2025, from $324 to $328 a year, as State Farm’s rose 5.4% and the other insurers’ prices didn’t change.
By ZIP code, the Wilmington condo average for our sample condo ran from $27 a month in 19802 to $28 in 19805.
Each insurer’s yearly condo price for our sample condo by Wilmington ZIP code:
- Travelers ran from $192 a year in 2 ZIP codes, including 19802 to $249 in 19805.
- State Farm charged $293 a year in every Wilmington ZIP code it priced.
- Allstate charged $377 a year in every Wilmington ZIP code it priced.
- Liberty Mutual charged $435 a year in every Wilmington ZIP code it priced.
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 Wilmington condo is yours to insure?
The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $27 a month in Wilmington.
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 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).
You may also want to compare: car + home insurance in Wilmington
Many Wilmington homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.
See car insurance rates in Wilmington · Delaware car insurance rates · How bundling home and auto insurance works
Frequently asked questions about home insurance in Wilmington
What is the average cost of home insurance in Wilmington?
For the house we priced, Wilmington averages $1,185 a year ($99 a month) across the 3 insurers we compared and 10 ZIP codes, with rates as of Sept. 30, 2026. That’s 27.4% below the Delaware average of $136 a month.
Which Wilmington ZIP code has the cheapest home insurance?
Of the 10 Wilmington ZIP codes we priced, 19808 had the lowest average for our sample home, $90 a month, and 19801 the highest, $108.
How do I get homeowners insurance quotes in Wilmington?
Enter your ZIP code in any quote box on this page to compare free homeowners insurance quotes for your Wilmington address. Get at least three: for our sample home, the 3 insurers anyone can buy from that we compared averaged $65 to $128 a month in Wilmington.
How much is insurance on a $300,000 home in Wilmington?
Our sample home is insured for $300,000 of dwelling coverage, and it averages $99 a month ($1,185 a year) in Wilmington across 10 ZIP codes. That’s about $3.95 a year per $1,000 of dwelling coverage, though premiums don’t rise in step with the limit, so quote your own rebuilding cost.
How much is insurance on a $400,000 house in Wilmington?
We priced a $300,000 dwelling, not $400,000. For that house, Wilmington averages $99 a month. A $400,000 house usually costs more to insure, so get quotes for your own rebuild cost, and remember the 80% rule.
Does Wilmington home insurance cover wind and hail damage?
Generally, yes, minus your deductible: a standard homeowners policy covers wind and hail damage. Hurricane damage usually has its own percentage deductible: on our $300,000 sample house, 2% is $6,000, or $4,815 more than a year of the Wilmington average premium for that house.
Is flood damage covered by home insurance in Wilmington?
No. A standard Wilmington home or renters policy doesn’t cover flooding. You can buy it through federal flood insurance (NFIP) or a private insurer, and a new NFIP policy usually takes 30 days to start, so don’t wait for a storm warning.
Are Wilmington home insurance rates going up in 2026?
For the house we priced, the Wilmington average rose 5.0% for the same insurers and ZIP codes between Nov. 30, 2025 and Sept. 30, 2026, to $99 a month. Your own renewal depends on your insurer, your home and your claims.
What does renters insurance cost in Wilmington?
Our sample renter, insuring $40,000 of belongings with $300,000 liability, pays an average of $19 a month ($225 a year) in Wilmington across the 4 insurers we compared.
What does condo insurance cost in Wilmington?
Our sample condo, with $60,000 of unit coverage and $60,000 for belongings, averages $27 a month ($328 a year) in Wilmington across the 4 insurers we compared.
Official resources for Wilmington homeowners
- Delaware Department of Insurance Consumer help, complaints and licensed insurers. Consumer line: 1-800-282-8611.
- Delaware Flood Planning Tool Check flood risk for a Delaware address.
- Delaware Department of Insurance: Homeowners Guide What a policy covers, hurricane deductibles, flood and how to shop.
- Delaware FAIR Plan Basic property insurance for homes that regular insurers decline.
- National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
- FEMA Flood Map Service Center The official source for FEMA flood maps.
- FloodSmart FEMA’s site for the National Flood Insurance Program.
How we calculated these prices
We priced the same house with 3 major insurers, and the same apartment and condo with 4 insurers each, in each of the 10 Wilmington ZIP codes in our data, using licensed insurance rate data from Quadrant Information Services, with rates as of Sept. 30, 2026. Each Wilmington figure is the average of the ZIP-code averages, and monthly figures are yearly figures divided by 12. These are sample prices for one example home, renter and condo, not quotes or offers.
Full details
The homes we priced
- Home (HO-3, a standard homeowners policy): Our sample home is a 2,000-square-foot, two-story wood-frame house with a composition roof, built in 1997, insured for $300,000 with $150,000 for belongings, $300,000 liability and a $1,000 deductible for covered losses other than a hurricane. Our home price requests also set a 2% hurricane deductible, the same setting in every state. The owner is 40, single, has good credit and no claims in 10 years.
- Renters (HO-4, a renters policy): Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims.
- Condo (HO-6, a condo unit-owner policy): 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. Same owner profile as the home.
- All three are in protection class 3 (a fire-protection rating), 1,000 feet from a hydrant and 3 miles from a fire station, with the distance to the coast set at 10 miles in every state’s price requests, so differences between ZIP codes come from how each insurer prices that ZIP code.
How the averages work: for each insurer and ZIP code we used its lowest eligible price, averaged the insurers in each ZIP code, then averaged the ZIP codes, so every ZIP code counts the same. Percentages are worked out before rounding, so they can differ slightly from the rounded dollars shown. The price change compares the same insurers in the same ZIP codes on Nov. 30, 2025, and Sept. 30, 2026.
Which insurers we name: we don’t name a lowest-priced insurer when its lead over the next one is more than 30%, or when it was priced in fewer than 90% of a place’s ZIP codes, and we show the average without any insurer priced at more than twice the others. Each section says which insurer, if any, passed these tests for that line. We also never name an insurer that sells only to members, such as USAA (military families only) or an AAA insurer, and when the two lowest are within 5% of each other we call it a near tie.
Sample: Home: 30 sample prices from 3 insurers across 10 ZIP codes. Renters: 40 from 4 insurers. Condo: 40 from 4 insurers. Wilmington here means the 10 ZIP codes in our rate data whose main post-office city is Wilmington, in New Castle County.
Insurer notes: we review every note an insurer attaches to a price before publishing, with the same rules as our Delaware page.
- Homesite’s home prices in all 46 Delaware ZIP codes in our data (Wilmington’s included) are left out: their prices came with a note limiting liability and guest medical coverage for households with a dangerous dog, and we can’t tell whether every shopper can buy that price.
Comparisons: the other cities, Delaware and the 292 U.S. cities in our data use the same method and rates; the 50-states-and-D.C. figure averages each state’s average and D.C.’s.
Sources for local facts: State of Delaware, Delaware Emergency Management Agency, State of Delaware news releases, FEMA, Delaware Department of Insurance, National Association of Insurance Commissioners, Insurance Information Institute.
Rates as of Sept. 30, 2026; price changes compare prices as of Nov. 30, 2025.
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Autumn Cafiero Giusti is a licensed life and health insurance broker and award-winning journalist with more than 20 years of experience. She writes extensively about flood, Medicare, home, and life insurance for publications like U.S. News and CBS News.
