Best Homeowners Insurance in Delaware for 2026
State Farm is Delaware’s best overall, but Nationwide may have better discounts
Advertising Disclosures
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- The best overall home insurance company in Delaware is State Farm due to its low overall premiums and flexible coverages.
- On average, homeowners in the state pay $1,320 per year for coverage.
- Homeowners in Delaware should be aware that home policies don’t cover flood damage, which may be more common in this low-elevation state.
Best homeowners insurance in Delaware
When it comes to home insurance, the best company depends on factors like rates, coverage options and discount opportunities, among others.
Best overall: State Farm
Average annual rate: $819
Why we chose it: State Farm consistently offers the lowest homeowners insurance premiums in the state. The insurer also offers many coverage options, including water backup and sump pump coverage.
Who it’s best for: State Farm is best for homeowners looking to save money while still accessing flexible coverages.
Pros
- Lowest policy rates in Delaware
- Many opportunities to customize policies
Cons
- Fewer discount opportunities compared to other top insurers
- Lower customer service ratings compared to competitors
Best for discounts: Nationwide
Average annual rate: $924
Why we chose it: Homeowners can access a wide array of discounts with Nationwide, for things like having a new home, bundling policies and installing smart home devices. It also scores well for general usability features, such as online payments and quotes.
Who it’s best for: Nationwide is best for homeowners looking for a low-cost policy that still offers modern conveniences.
Pros
- Generally low rates
- Lots of discount opportunities
Cons
- Somewhat limited coverage options
- Middling customer service ratings
Best customer service: American Family
Average annual rate: $2,148
Why we chose it: Compared to other top-ranking home insurance companies available in Delaware, American Family has the best overall reputation for customer service. It also offers solid discount and coverage options.
Who it’s best for: American Family is best for those who want top-notch customer service and can take advantage of savings opportunities, like bundling and payment discounts.
Pros
- Top-rated customer service
- Many opportunities to save on premiums
Cons
- Rates tend to be higher than other top insurers
- No water backup and sump pump coverage option
Compare home insurance rates and ratings in Delaware
| Company | Average annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $819 | 4/5 | 1.35 |
| Nationwide | $924 | 3.5/5 | 1.21 |
 | Cumberland Mutual | $1,040 | 4/5 | NA |
 | Allstate | $1,235 | 4/5 | 1.18 |
 | Travelers | $1,756 | 3.5/5 | 0.69 |
| American Family | $2,148 | 4/5 | 0.36 |
In Delaware, rates can vary significantly between insurers. Comparing multiple options can help you find better pricing and coverage.
LendingTree analyzed home insurance quotes from every Delaware ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
How much is homeowners insurance in Delaware?
The average cost of home insurance in Delaware is $1,320. That translates to just $110 per month, about half the national average monthly payment ($219).
In fact, Delawareans have seen less extreme home policy rate hikes over the last five years than the average homeowner nationwide.
Average home insurance rates by dwelling coverage amount
One key factor in determining how much you’ll pay for a homeowners policy is the amount of coverage you choose for your home:
| Company | $300,000 coverage | $400,000 coverage | $550,000 coverage | $750,000 coverage |
|---|---|---|---|---|
| State Farm | $670 | $819 | $1,058 | $1,360 |
| Nationwide | $696 | $924 | $1,498 | $2,264 |
| American Family | $1,693 | $2,148 | $2,956 | $3,914 |
| State average | $1,025 | $1,320 | $1,841 | $2,476 |
Home insurance rates in Delaware by city
Given the size of the state, it makes sense that the three most affordable cities in Delaware for homeowners looking for policies are located within a 15-minute drive of each other. Those cities are Pike Creek (averaging $984 per year), Pike Creek Valley ($1,005) and Hockessin ($1,012).
The lowest average rates tend to be clustered along the state’s northern tip, and homeowners in the coastal southeast side of the state tend to have the highest average rates. In fact, the three most expensive cities — Bethany Beach ($2,370), South Bethany ($2,373) and Fenwick Island ($2,378) — are located within a 20-minute drive.
| City | Average rate |
|---|---|
| Arden | $1,059 |
| Bear | $1,081 |
| Bellefonte | $1,170 |
| Bethany Beach | $2,370 |
| Bethel | $1,329 |
| Bridgeville | $1,617 |
| Brookside | $1,063 |
| Camden | $1,177 |
| Camden Wyoming | $1,612 |
| Cheswold | $1,601 |
| Claymont | $1,111 |
| Clayton | $1,142 |
| Dagsboro | $1,951 |
| Delaware City | $1,080 |
| Delmar | $1,300 |
| Dewey Beach | $2,036 |
| Dover | $1,202 |
| Dover Air Force Base | $1,590 |
| Dover Base Housing | $1,606 |
| Edgemoor | $1,150 |
| Ellendale | $1,365 |
| Elsmere | $1,072 |
| Felton | $1,626 |
| Fenwick Island | $2,378 |
| Frankford | $1,875 |
| Frederica | $1,626 |
| Georgetown | $1,536 |
| Glasgow | $1,066 |
| Greenville | $1,030 |
| Greenwood | $1,617 |
| Harbeson | $1,734 |
| Harrington | $1,186 |
| Hartly | $1,144 |
| Henlopen Acres | $2,037 |
| Highland Acres | $1,227 |
| Hockessin | $1,012 |
| Houston | $1,233 |
| Kent Acres | $1,223 |
| Kirkwood | $1,484 |
| Laurel | $1,264 |
| Lewes | $1,922 |
| Lincoln | $1,619 |
| Little Creek | $1,585 |
| Long Neck | $1,876 |
| Magnolia | $1,596 |
| Marydel | $1,158 |
| Middletown | $1,493 |
| Milford | $1,411 |
| Millsboro | $1,581 |
| Millville | $1,825 |
| Milton | $1,399 |
| Montchanin | $1,039 |
| Nassau | $1,699 |
| New Castle | $1,104 |
| Newark | $1,057 |
| Newport | $1,052 |
| North Star | $1,026 |
| Ocean View | $1,942 |
| Odessa | $1,070 |
| Pike Creek | $984 |
| Pike Creek Valley | $1,005 |
| Port Penn | $1,070 |
| Rehoboth Beach | $2,039 |
| Rising Sun-Lebanon | $1,596 |
| Riverview | $1,618 |
| Rockland | $1,059 |
| Rodney Village | $1,164 |
| Seaford | $1,404 |
| Selbyville | $1,806 |
| Smyrna | $1,117 |
| South Bethany | $2,373 |
| St. Georges | $1,085 |
| Townsend | $1,553 |
| Viola | $1,185 |
| Wilmington | $1,080 |
| Wilmington Manor | $1,088 |
| Winterthur | $1,105 |
| Woodside | $1,190 |
| Woodside East | $1,594 |
| Wyoming | $1,175 |
| Yorklyn | $1,059 |
Current state of homeowners insurance in Delaware
Homeowners in the First State enjoy significantly lower rates for home policies compared to nearby states in the South Atlantic. For example, while Delaware policies average $1,320 per year, Maryland policies average $2,345, and Virginia policies average $2,762.
Delaware homeowners have also fared better than the average homeowner in the U.S., though they certainly felt some of the sting of recent industry pricing shifts. For instance, while the average U.S. home policy rate rose by 47.9% from 2021 to 2025, Delaware’s rates rose by 36.7%.
How to compare homeowners insurance in Delaware
When comparing options, rates can play a significant role, but it’s important to look beyond premiums to find the best coverage for you. For example, you may also consider:
- Coverage limits: Make sure your home is fully covered.
- Deductibles: Higher deductibles can lower premiums, but it’s important to ensure you can afford your deductible in the event you file a claim.
- Exclusions: Check what isn’t covered (like floods, which the low-lying state is prone to experiencing) to understand if you may need a separate policy for excluded damages or events.
- Add-ons: You may consider extra coverage for high-value items, which may not be fully covered by a traditional home policy.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
It depends on many factors such as your coverage needs, budget and what you value in an insurance company.
For instance, one homeowner may want the lowest possible premium, while another may value customer service and be willing to pay a bit more for coverage. Shopping around can help you compare your options.
On average, Delaware homeowners pay $1,320 per year ($110 per month) for coverage on a $400,000 home. However, your coverage needs and ZIP code will shape how much you’ll pay.
There are several ways to lower your home policy premiums, such as using discounts (like paying on time or bundling other policies with the same insurer), increasing your deductible or making your home more resistant to natural-disaster-related damage. Shopping around for coverage can help you balance premiums and coverage.
Methodology
How we chose the best homeowners insurance in Delaware
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Delaware ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.