Compare Wilmington Home Insurance Quotes Online

Please provide a valid zip code.

Get the best home coverage rates in DE

Home Insurance in Wilmington, Delaware: A Complete Guide

As the largest city in Delaware, Wilmington features a mix of urban and suburban living. Its proximity to water, older homes, and high population density contribute to the city’s home insurance rates.

National vs. Wilmington Home Insurance Costs

The national average cost for home insurance is $1,400 per year. In Wilmington, the average cost is around $1,550 per year, slightly higher due to:


Home Insurance Rates by Home Age in Wilmington

Older homes in Wilmington tend to carry higher insurance premiums due to potential structural issues. Here’s a breakdown of how home age affects insurance costs:

Home AgeAverage Annual Premium
0-10 years$1,500
10-20 years$1,550
20-30 years$1,600
30+ years$1,700

How Home Age Affects Insurance Rates in Wilmington


Home Insurance Rates by Credit Tier in Wilmington

Home insurance rates can vary significantly based on your credit score. Here’s how different credit tiers impact premiums in Wilmington:


Cheapest Home Insurance Providers in Wilmington

Here’s a list of the cheapest home insurance providers in Wilmington, along with their average annual premiums:

  1. State Farm: $1,550/year
  2. Allstate: $1,580/year
  3. Liberty Mutual: $1,600/year
  4. Progressive: $1,630/year
  5. USAA: $1,520/year (for military families)

Home Insurance Rates by Deductible in Wilmington

Your choice of deductible can significantly impact your home insurance premium. Here’s how premiums vary based on different deductible amounts:


Types of Homeowners Insurance in Wilmington

There are several types of homeowners insurance policies available for Wilmington residents:


Additional Coverage Options in Wilmington

Due to its coastal location, Wilmington homeowners should consider:


Comparing Wilmington to Other Delaware Cities


Frequently Asked Questions (FAQ) for Wilmington Homeowners

Please provide a valid zip code.