The average cost of homeowners insurance in Delaware hides a split between the beach towns of Sussex County, priced for coastal wind, and the northern suburbs around Wilmington, priced like the rest of the mid-Atlantic. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
What sets the price in Delaware
Rebuild cost sets the dwelling limit, and Delaware's mix of new construction in the south and older housing in Wilmington and its suburbs means the roof, wiring and plumbing questions decide much of the quote. Beach-area houses on pilings or with elevated foundations are priced on their construction as much as their location.
The perils carriers price here
Coastal wind and nor'easters along the Atlantic and the Delaware Bay carry wind and hail deductibles in some territories; inland the perils are winter freeze and summer storms. Flood is excluded from every standard policy and is the larger coastal risk. FEMA's FloodSmart notes that almost one-third of NFIP flood claims come from outside high-risk flood areas, and a standard homeowners or renters policy does not cover flood at all.
What to compare instead of the average
The rate pages on this site show filed Delaware rates by coverage and situation. Compare quotes on the same dwelling limit and deductible, and for a coastal address ask about the wind deductible and the carrier's distance-to-coast rules.
Questions people ask about average cost of homeowners insurance in delaware
What is the average home insurance cost in Delaware?
The III's national average is $1,411 a year for 2021; this site publishes no state average, and the filed rates for Delaware on the rate pages show what carriers actually charge by coverage and situation.
Why is homeowners insurance in Delaware priced the way it is?
Rebuild costs, the roof and systems of the housing stock, and the perils named above; the deductible and claims history finish the price.
Does the price include flood?
No. Flood is a separate policy, and FEMA notes that almost one-third of NFIP flood claims come from outside high-risk areas.