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Insurer	Coverage	Customer Experience	Ease of Use	Cost	Recommend %
Amica	4.5	4.7	4.3	4.0	92%
USAA	4.2	4.8	4.5	4.3	90%
Nationwide	4.0	4.2	4.0	4.5	88%
State Farm	3.8	4.1	3.9	4.2	85%
Travelers	3.9	3.8	3.7	3.9	82%
Allstate	3.7	3.9	3.8	3.7	80%
Chubb	4.6	4.3	3.5	3.0	78%
Liberty Mutual	3.5	3.6	3.8	3.6	75%
Homesite	3.4	3.5	3.9	3.8	72%
Encompass	3.3	3.4	3.6	3.5	70%

Delaware average home insurance for a $1,000 deductible:

• Delaware average premiums for a $300K home is $1,043 (while it's $1,636 nationally).
• Delaware average premiums for a $400K home is $1,322. It's $2,179 nationally.
• Delaware average premiums for a $600K home is $1,992 (and it's $3,032 nationally).

Best Insurance in Delaware cities

Wilmington, Dover, Newark, Middletown, Smyrna, Milford

Recommendations are gathered from 3,027 local Delaware members who requested a quote(s), filed a claim or got new home insurance in the past 12 months. We survey cost, customer experience, coverage and ease of use,  plus if homeowners recommend the insurer, agent or broker:

 

• Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
• Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
• Ease of Use (0 to 5): Are the policy documents clear?  Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
• Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
• Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?

More Information for Delaware Homeowners:

Home Insurance Quotes

Delaware Mortgage & Rates

Delaware Best Mortgage Lenders from Community Recommendations

Delaware Best Refinance Lenders from Community Recommendations

More Resources for Delaware Homeowners.

Wilmington Home Insurance Cost

Compare Wilmington 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.

Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.6% in Wilmington for a $600K home. The average annual cost for a $600K home with a $500 deductible is $2,374.

Wilmington's $800K home insurance cost is 0.0% lower than the Delaware average of $2,967. The average annual cost for a $800K home with a $500 deductible is $2,967 in Wilmington.

Wilmington Best Home Insurance

MFP’s Home Insurance Survey most recommended insurers and brokers in Wilmington’s area are Nationwide, State Farm, and Allstate.

• Nationwide (87%): Homeowners highlight responsive claims processing and competitive bundling options.
• State Farm (82%): Users appreciate local agent availability and customizable coverage options.
• Allstate (78%): Members report satisfaction with digital tools and identity theft protection add-ons.

Name	Type	Coverage	Client Experience	Ease of Use	Cost	Recommend %
Nationwide	Agents	4.5	4.5	4	4	87%
State Farm	Agents	4	4.5	4.5	3.5	82%
Allstate	Agents	4	4	4.5	3.5	78%
Liberty Mutual	Agents	3.5	4	4	4	75%
Travelers	Agents	4	3.5	3.5	3	72%
Harry J. Insley	Broker	4	4.5	3.5	4	85%
Delaware Insurance Group	Broker	3.5	4	4	4	80%
First Insurance Associates	Broker	4	4	3.5	4	78%
Coastal Insurance Solutions	Broker	3.5	4	4	3.5	76%
Wilmington Insurance Associates	Broker	3.5	3.5	4	4	74%

See also:

Wilmington Best Refinance Lenders

Wilmington Best Home Loan Lenders

Dover Home Insurance Cost

See Dover's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.

In Dover, switching from a $500 to a $2,000 deductible on a $300K home saves 16.6% annually. The average $300K home costs $1,136 per year with a $500 deductible.

Dover homeowners pay 1.8% more than the Delaware average of $2,153 for a $600K home. The average annual $600K premium with a $500 deductible is $2,191.

Dover Best Home Insurance

MFP’s Home Insurance Survey most recommended insurers and brokers in Dover’s area are Amica, Nationwide, and State Farm.

• Amica (89%): Homeowners praise exceptional customer service and comprehensive Platinum Choice policies.
• Nationwide (83%): Users value affordable premiums and credit card protection coverage.
• State Farm (79%): Members appreciate wind mitigation discounts and inflation coverage adjustments.

Name	Type	Coverage	Client Experience	Ease of Use	Cost	Recommend %
Amica	Insurer	4.5	5	4	3.5	89%
Nationwide	Agents	4	4	4	4.5	83%
State Farm	Agents	4	4	4	4	79%
Dover Insurance Associates	Broker	4	4.5	3.5	4	81%
First State Insurance	Broker	3.5	4	4	4	77%

See also:

Dover Best Refinance Lenders

Dover Best Home Loan Lenders

Newark Home Insurance Cost

Newark 2026 home insurance costs vary by home value and deductible. The figures below assume standard coverage levels.

A $2,000 deductible vs $500 cuts annual premiums by 22.1% for a $300K home in Newark. At a $500 deductible, the average annual cost is $1,044.

Compared to the Delaware average of $2,153 for a $600K home, Newark runs 7.0% below at $2,002 annually with a $500 deductible.

Newark Best Home Insurance

MFP’s Home Insurance Survey most recommended insurers and brokers in Newark’s area are State Farm, Allstate, and Nationwide.

• State Farm (85%): Homeowners report satisfaction with local agent support and claim resolution.
• Allstate (81%): Users highlight valuable discounts for protective devices and multi-policy bundles.
• Nationwide (78%): Members appreciate straightforward policy terms and online quote accessibility.

Name	Type	Coverage	Client Experience	Ease of Use	Cost	Recommend %
State Farm	Agents	4.5	4.5	4	4	85%
Allstate	Agents	4	4	4.5	3.5	81%
Nationwide	Agents	4	4	4	4.5	78%
Newark Insurance Group	Broker	4	4	4	4	80%
Delaware Valley Insurance	Broker	3.5	4	4	4	76%

See also:

Newark Best Refinance Lenders

Newark Best Home Loan Lenders

Middletown Home Insurance Cost

Compare Middletown 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.

Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.9% in Middletown for a $300K home. The average annual cost for a $300K home with a $500 deductible is $1,114.

Middletown's $600K home insurance cost is 0.1% lower than the Delaware average of $2,153. The average annual cost for a $600K home with a $500 deductible is $2,151 in Middletown.

Middletown Best Home Insurance

MFP’s Home Insurance Survey most recommended insurers and brokers in Middletown’s area are Nationwide, State Farm, and Travelers.

• Nationwide (86%): Homeowners value the Better Roof Replacement coverage and competitive pricing.
• State Farm (82%): Users appreciate customizable policies and local agent accessibility.
• Travelers (76%): Members report satisfaction with high coverage limits and identity fraud protection.

Name	Type	Coverage	Client Experience	Ease of Use	Cost	Recommend %
Nationwide	Agents	4.5	4	4	4.5	86%
State Farm	Agents	4	4.5	4	4	82%
Travelers	Agents	4.5	4	3.5	3	76%
Middletown Insurance Associates	Broker	4	4	4	4	80%
First Insurance of Delaware	Broker	3.5	4	4	4	78%

See also:

Middletown Best Refinance Lenders

Middletown Best Home Loan Lenders

Smyrna Home Insurance Cost

See Smyrna's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.

In Smyrna, switching from a $500 to a $2,000 deductible on a $300K home saves 17.1% annually. The average $300K home costs $1,092 per year with a $500 deductible.

Smyrna homeowners pay 0.7% less than the Delaware average of $2,153 for a $600K home. The average annual $600K premium with a $500 deductible is $2,138.

Smyrna Best Home Insurance

MFP’s Home Insurance Survey most recommended insurers and brokers in Smyrna’s area are State Farm, Nationwide, and Allstate.

• State Farm (84%): Homeowners highlight responsive claims handling and wind mitigation discounts.
• Nationwide (81%): Users appreciate affordable premiums and comprehensive dwelling coverage.
• Allstate (77%): Members value digital tools and multiple discount opportunities.

Name	Type	Coverage	Client Experience	Ease of Use	Cost	Recommend %
State Farm	Agents	4	4.5	4	4	84%
Nationwide	Agents	4	4	4	4.5	81%
Allstate	Agents	4	4	4.5	3.5	77%
Smyrna Insurance Group	Broker	4	4	4	4	79%
Kent County Insurance	Broker	3.5	4	4	4	76%

See also:

Smyrna Best Refinance Lenders

Smyrna Best Home Loan Lenders

Milford Home Insurance Cost

Milford 2026 home insurance costs vary by home value and deductible. The figures below assume standard coverage levels.

A $2,000 deductible vs $500 cuts annual premiums by 16.1% for a $300K home in Milford. At a $500 deductible, the average annual cost is $1,142.

Compared to the Delaware average of $2,153 for a $600K home, Milford runs 4.2% below at $2,063 annually with a $500 deductible.

Mildforf Best Home Insurance

MFP’s Home Insurance Survey most recommended insurers and brokers in Milford’s area are Nationwide, State Farm, and Amica.

• Nationwide (85%): Homeowners report satisfaction with bundling options and local agent support.
• State Farm (80%): Users appreciate customizable coverage for coastal property risks.
• Amica (78%): Members highlight exceptional claims service and comprehensive policy options.

Name	Type	Coverage	Client Experience	Ease of Use	Cost	Recommend %
Nationwide	Agents	4.5	4	4	4.5	85%
State Farm	Agents	4	4.5	4	4	80%
Amica	Insurer	4.5	4.5	4	3.5	78%
Milford Insurance Agency	Broker	4	4.5	4	4	82%
Coastal Delaware Insurance	Broker	4	4	4	4	79%

See also:

Milford Best Refinance Lenders

Milford Best Home Loan Lenders

Main Home Insurance Cost Factors in Delaware

Weather Risks

Delaware is prone to severe coastal weather events, especially hurricanes and nor’easters. Homes near the coastline, such as in Rehoboth Beach or Bethany Beach, often face higher premiums due to increased flood and wind damage risk. Inland areas like Dover and Newark are less exposed to flooding but can still be impacted by windstorms and occasional winter storm damage. These weather risks are factored into the base rate, as insurers assess how exposed a home is to storm-related losses.

Your Home Construction Age

Older homes in Delaware—particularly those in historic towns like New Castle—typically cost more to insure. This is due to outdated electrical, plumbing, or roofing systems and the use of materials that may no longer meet modern building codes. In contrast, newer homes in expanding areas like Middletown or Bear often have lower premiums thanks to updated construction standards and disaster-resistant materials.

Home Age	Typical Cost Change
0–5 years	15% to 25% less
6–10 years	10% to 15% less
11–20 years	0%
21–30 years	10% to 20% more
31–40 years	20% to 35% more
41–60 years	40% to 60% more
60+ years	65% to 90% more

This scale applies in Delaware due to the significant number of older homes in coastal and colonial communities. Many of these homes require more expensive repairs and may lack hurricane-resistant features, pushing premiums higher.

Your Credit Score

In Delaware, your credit score is one of the strongest predictors of what you’ll pay for home insurance. Insurers often use credit-based insurance scores to assess risk. Homeowners with excellent credit in areas like Greenville or Hockessin may pay significantly less than those with poor credit in similar neighborhoods.

Credit Score	Typical Cost Change
Excellent	0%
Good	20% more
Average	40% more
Poor	100% to 170% more

Home Location in Delaware

Your ZIP code in Delaware significantly impacts your home insurance rate. Coastal communities like Lewes and Fenwick Island typically face higher premiums due to hurricane and flood risk. Urban areas such as Wilmington may also have higher rates because of greater fire risk, crime rates, and rebuilding costs. Meanwhile, suburban areas like Pike Creek or Camden-Wyoming generally enjoy lower premiums thanks to lower population density and risk exposure.

Best Home Insurance Discounts in Delaware

Delaware homeowners can take advantage of several common and state-specific discounts to lower their home insurance premiums:

• Multi-policy discount: Save by bundling home and auto insurance with the same carrier.
• Security system discount: Installing burglar alarms or smart home monitoring systems can reduce premiums.
• Claim-free discount: Homeowners with no recent claims often receive a discount.
• New home discount: Homes built within the last 10 years may qualify for lower rates.
• Paperless billing and autopay discount: Many Delaware insurers offer savings for opting into digital management of your policy.

How to Find Cheap Home Insurance in Delaware

To find affordable home insurance in Delaware, homeowners should compare quotes from at least three insurers and look beyond the premium alone. Focus on the coverage limits, deductibles, and customer service ratings. The cheapest policy may lack essential protections or have high out-of-pocket costs after a claim. Always balance price with coverage quality.

6 Ways to Reduce Home Insurance Cost in DE

• Bundle your home and auto insurance policies.
• Upgrade your roof or windows to wind-resistant materials.
• Install a monitored home security system.
• Maintain a good credit score.
• Increase your deductible to lower the premium.
• Review your policy annually to remove unnecessary coverages.

What Does Home Insurance Cover in Delaware?

Standard home insurance policies in Delaware typically cover the following:

• Dwelling coverage for damage from fire, storms, and certain water events
• Personal property like furniture and electronics
• Liability coverage in case someone is injured on your property
• Additional living expenses if you’re displaced during repairs

Is Extra Home Coverage Needed in Delaware?

Given Delaware’s location and weather exposure, many homeowners consider the following optional coverages:

• Flood insurance – Not included in standard policies; essential for coastal or low-lying properties.
• Windstorm or hurricane coverage – Often has a separate deductible; useful in coastal zones.
• Water backup coverage – Covers damage from sump pump failure or backed-up drains.
• Scheduled personal property – Covers high-value items like jewelry or artwork beyond standard limits.

You should consider extra coverage if you live near water, have expensive belongings, or want to protect against exclusions in basic policies.

FAQ: Delaware Home Insurance

How much is home insurance in Delaware on average?

On average, Delaware homeowners pay between $800 and $1,200 annually depending on location, home age, and coverage limits.

Does home insurance cover flooding in Delaware?

No, standard policies do not cover flood damage. A separate flood insurance policy is required, especially in FEMA-designated flood zones.

Is hurricane insurance required in Delaware?

It’s not required by law, but many lenders may require windstorm or hurricane endorsements in coastal areas.

Can I get insurance for a historic home?

Yes, but expect higher premiums due to the cost of restoring or replacing historic materials and features.

How can I file a claim in Delaware?

Contact your insurer’s claims department, provide photos of the damage, and document all repairs or losses. Insurers in Delaware are required to respond to claims within a regulated timeframe.