Homeowners in Delaware may encounter regional risks such as dam breaks, coastal storms and nor’easters, tidal and storm-driven flooding, earthquakes, sinkholes and other hazards, according to the Delaware Geological Survey. Along the coast (Lewes, Rehoboth Beach, Bethany, Fenwick), NOAA’s high-tide flooding outlook and Lewes tide-gauge data show increasing nuisance flooding as sea level rises, raising loss potential. Standard homeowners insurance generally covers wind and fire, but excludes flood; flood protection requires a separate policy via the NFIP or private flood. In coastal ZIP codes, be sure to review hurricane/named-storm deductibles disclosed by the Delaware Department of Insurance.
To help you find the best home insurance company in Delaware for your needs, Reviews analyzed insurers writing policies in the state using recent 2025 rate studies and public ratings where available. We compared average premiums from sources such as Bankrate, plus coverage features, discounts, and financial strength context (see AM Best ratings guide). Based on these criteria, Allstate, Nationwide, Travelers, and State Farm remain solid options for different buyer profiles; however, pricing varies widely by ZIP code, home characteristics, and deductible selections—especially near Delaware’s coast.
The 4 Best Home Insurance Companies in Delaware
- Allstate: Best for Non-standard Coverage Types
- Nationwide: Best for Budget-Conscious Policyholders
- State Farm: Best Digital Experience
- Travelers: Best for Eco-Friendly Homeowners
Compare the Best Home Insurance Companies in Delaware
To help you compare Delaware home insurers, we reviewed 2025 rate studies and public ratings. Premium snapshots draw on Bankrate’s Delaware analysis and similar sources, noting that each publisher models a different “baseline home.” J.D. Power uses a 1,000‑point index to assess customer satisfaction across industries; brand-level homeowner scores and full breakouts are limited in public releases, so use the latest J.D. Power press releases as a current reference point.
| Average Annual Premium for $250K in Dwelling Coverage* | AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Customer Satisfaction Score** | ||
|---|---|---|---|---|
| Pin Allstate | $1,100–$1,250 (DE 2025 est.) | A+ (Superior) | — | |
| Pin Nationwide | $1,100–$1,250 (DE 2025 est.) | A+ (Superior) | — | |
| Pin State Farm | $1,100–$1,250 (DE 2025 est.) | A++ (Superior) | — | |
| Pin Travelers | $1,100–$1,250 (DE 2025 est.) | A+ (Superior) | — |
Information accurate as of 2025; pricing and ratings can change. Verify current rates and scores at the linked sources.
*Premium context based on 2025 Delaware analyses from Bankrate, NerdWallet, Policygenius and Forbes Advisor. Baselines vary by coverage tier and assumptions.
**J.D. Power uses a 1,000‑point satisfaction index across studies. Public homeowner brand breakouts are limited; see the latest J.D. Power press releases for current study details. Historical reference: 2021 U.S. Home Insurance Study.
Allstate
Best for Non-standard Coverage Types
WHY WE CHOSE IT
Why we chose it
Pros
- Non-standard coverage options (e.g., short-term rental, water backup, ordinance or law)
- Informative website and digital tools
- Evaluated by J.D. Power on a 1,000-point scale; check the latest press releases
Cons
- Review current complaint activity via the NAIC complaint index
- Premiums vary notably by Delaware ZIP code and hurricane/named-storm deductible settings
Other policies offered
- Business insurance
- Consumer household insurance (motorcycle, boat, renters, condominium)
- Auto dealers insurance
Standout Discounts Available
- Early signing discount
- Home buyer discount
- Hail-resistant roof discount
Nationwide
Best for Budget-Conscious Policyholders
WHY WE CHOSE IT
Why we chose it
Pros
- Often competitive pricing in Delaware 2025 rate studies (verify for your ZIP and coverage)
- Coverage options for a range of homes, including higher-value properties
- AM Best financial strength in the “Secure” range (confirm current rating)
- Multiple discount opportunities
Cons
- Check most recent J.D. Power study notes for homeowners; brand rankings can shift year to year
- Review current NAIC complaint index results for your state
Other Policies Offered
- Auto insurance
- Motorcycle insurance
- Pet insurance
- Farm insurance
- Life insurance
- Commercial insurance
Standout Discounts Available
- Gated community
- Smart home
- Home renovation credit
State Farm
Best Digital Experience
WHY WE CHOSE IT
Why we chose it
Pros
- High AM Best financial strength assessment (confirm current rating)
- Abundant digital tools and web resources
- 19,000+ agents nationally
Cons
- Fewer discounts than some competitors
Other policies offered
- Auto
- Condo
- Renters
- Small business
- Life
- Medicare supplement
- Hospital income
- Pet
Standout Discounts Available
- Multiple line discount
- Home security discount
- Impact-resistant roof discount
Travelers
Best for Eco-Friendly Homeowners
WHY WE CHOSE IT
Why we chose it
Pros
- Green rebuild/upgrade concepts and related endorsements (availability varies)
- Various types of environmental insurance product lines
- Near-nationwide availability
Cons
- Premiums may trend higher than some competitors depending on ZIP and deductibles
- Company does not offer life insurance
Other Policies Offered
- Environmental liability insurance
- Inland marine insurance
- Ocean marine insurance
- Small business owner’s insurance
- Workers compensation
- Cyber insurance
- Umbrella insurance
Standout Discounts Available
- Green home discount
- Home buyer discounts
Average Cost of Homeowners Insurance in Delaware
The average cost of home insurance in Delaware in 2025 typically ranges from about $1,100–$1,600 per year for a standard HO‑3 policy with roughly $250,000–$300,000 in dwelling coverage, with a practical midpoint near $1,350 annually (about $110 per month). This range is triangulated from multiple 2025 sources: Bankrate, NerdWallet, Policygenius, and Forbes Advisor. Premiums trend higher in coastal Sussex and Kent counties due to wind and flood exposure, while inland New Castle County is often lower on average.
Top 2 Cheapest Homeowners Insurance Companies in Delaware
| Company | Average Annual Premium* |
| Nationwide | Varies by ZIP and coverage; see 2025 DE range (~$1,100–$1,600) |
| State Farm | Varies by ZIP and coverage; see 2025 DE range (~$1,100–$1,600) |
*Modeled averages depend on the baseline home. Compare 2025 estimates from Bankrate, NerdWallet, Policygenius, and Forbes Advisor.
Top 2 Most Expensive Homeowners Insurance Companies in Delaware
| Company | Average Annual Full Coverage Premium |
| Allstate | Varies by ZIP and coverage; see 2025 DE range (~$1,100–$1,600) |
| Travelers | Varies by ZIP and coverage; see 2025 DE range (~$1,100–$1,600) |
*Figures reflect typical HO‑3 baselines near $250,000–$300,000 dwelling and a $1,000 deductible; city and coastal proximity materially affect quotes.
Key Things to Know About Homeowners Insurance in Delaware
Start with the risks where you live. Coastal communities like Lewes, Rehoboth Beach and Bethany face elevated wind and tidal flooding exposure—events that may trigger percentage hurricane/named-storm deductibles and are not covered for flood without a separate policy. Check NFIP vs. private flood options (limits, waiting periods, basement coverage) via FEMA, and review deductible triggers via the Delaware DOI. For context on statewide premiums and market structure, see the NAIC Homeowners Insurance Report. Beyond P&C, Delaware’s consumer landscape has also seen new entrants—e.g., Aetna CVS Health joined the ACA marketplace alongside Highmark—expanding choice in 2024–2025 (Delaware DOI Health Reform; Aetna announcement).
Home Insurance Coverage Options
In addition to standard coverage, Delaware homeowners may want to consider add-ons that better address local perils and out-of-pocket risk:
- Coastal storms, nor’easters, and high-tide flooding: Wind-driven rain and sewer backup can be covered under homeowners with the right endorsements, but flood is excluded and requires a separate policy (flood insurance basics; compare NFIP coverage). NOAA’s outlook shows rising nuisance flooding risk in Mid-Atlantic communities.
- Hurricane or named-storm deductibles: Many carriers apply percentage deductibles in coastal ZIP codes. Review trigger language and deductible percentages carefully (see Delaware DOI guidance), and consider mitigation credits.
- Earthquakes: Standard policies exclude quake; you can add an endorsement or separate policy if your home’s location and soil conditions warrant it.
- Sinkholes and underground infrastructure: Ground collapse may be excluded; discuss sinkhole options with your agent. Consider water/sewer backup and service line endorsements to address common non-flood water and utility failures.
Endorsements add cost but can close critical gaps. Confirm Coverage A limits reflect current rebuild costs; add ordinance or law (code upgrade) coverage to account for modern building standards. For some wind or quake exposures, parametric add-ons that pay based on objective triggers may help manage large deductibles—see an overview of parametric solutions from Swiss Re Corporate Solutions. Under FEMA’s Risk Rating 2.0, flood pricing is property-specific, so even homes outside FEMA special flood hazard areas may benefit from a flood policy; tools like First Street Foundation Risk Factor can help visualize exposure.
Homeowners Insurance Frequently Asked Questions
Methodology
We evaluated Delaware homeowners insurers on pricing, financial strength context, coverage breadth, and customer experience indicators using the latest available sources. For pricing, we triangulated 2025 modeled averages from multiple outlets to avoid bias from a single baseline. For customer experience, we referenced J.D. Power’s 1,000‑point study methodology and public releases for context; for financial strength, we relied on each agency’s definitions and scales.
- Customer Ratings: We referenced J.D. Power’s 1,000‑point index and linked to the latest press releases for current study details (brand-level homeowner scores are limited in public reports).
- Coverage: We emphasized insurers offering key Delaware‑relevant options (water backup, ordinance or law, service line) and noted eco-friendly upgrade features where available.
- Confidence: We considered financial strength using the AM Best ratings guide and cross‑agency best practices; always verify current FSR/IFS and outlook directly with the agency before binding.
- Customer Experience: For complaints and market structure context, see the NAIC Homeowners Insurance Report and NAIC Consumer Information Source complaint index pages linked for specific carriers.
Rates are synthesized from 2025 state analyses by Bankrate, NerdWallet, Policygenius, and Forbes Advisor. Each uses different model homes and ZIP sampling; your quotes will vary.
The coverage limits for home insurance rates reflect the following coverage and limits:
- Coverage A, Dwelling: $250,000
- Coverage B, Other Structures: $25,000
- Coverage C, Personal Property: $125,000
- Coverage D, Loss of Use: $50,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail or hurricane/named-storm deductible (if required), which can materially affect premiums and out-of-pocket costs during coastal events.
