Renters and home insurance rates in Delaware

Name: HomeCover HQ Rates Index: Delaware
Creator: HomeCover HQ
Published: 2026-08-17
License: https://homecoverhq.com/terms

The NAIC's published average premiums for Delaware by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.

Figures are published averages, never quotes; methodology at the foot of the page.

average renters premium (HO-4), per year: $147
average homeowners premium (HO-3), per year: $1,103
renter households: 109,869

By county

renter households, largest first

Table view

Row	Value
New Castle County	70,201
Kent County	20,334
Sussex County	19,334

By county


New Castle County	70,201	$1,379	$329,800
Kent County	20,334	$1,285	$290,600
Sussex County	19,334	$1,221	$353,300

Download the Delaware county-level dataset (CSV), free to reuse with citation.

Sources, citation and related pages

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The average annual renters insurance premium in Delaware was $147 in 2022, across 109,869 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).

Cite as: "HomeCover HQ Rates Index: Delaware", updated 2026-08-17, https://homecoverhq.com/rates/delaware/.

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Average annual renters insurance premium · Delaware · 2022

$147

renter households	109,869

Source: HomeCover HQ Rates Index: Delaware

<figure style="margin:0;max-width:340px;padding:16px 18px;border:1px solid #e2e8f0;border-radius:10px;background:#ffffff;color:#0f172a;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;line-height:1.4;"><figcaption style="margin:0 0 6px;font-size:11px;letter-spacing:.04em;text-transform:uppercase;color:#64748b;background:#ffffff;">Average annual renters insurance premium &middot; Delaware &middot; 2022</figcaption><p style="margin:0;font-size:26px;font-weight:700;color:#0f172a;background:#ffffff;">$147<span style="font-size:14px;font-weight:400;color:#64748b;"></span></p><table style="width:100%;border-collapse:collapse;margin:10px 0 0;font-size:13px;background:#ffffff;border:0;"><tbody style="background:#ffffff;"><tr style="background:#ffffff;"><th scope="row" style="text-align:left;font-weight:400;color:#64748b;background:#ffffff;border:0;padding:3px 0;">renter households</th><td style="text-align:right;font-weight:600;color:#0f172a;background:#ffffff;border:0;padding:3px 0;">109,869</td></tr></tbody></table><p style="margin:12px 0 0;font-size:12px;color:#64748b;background:#ffffff;">Source: <a href="https://homecoverhq.com/rates/delaware/#stats" style="color:#2563eb;background:#ffffff;text-decoration:underline;">HomeCover HQ Rates Index: Delaware</a></p></figure>

Source: NAIC Homeowners Report average premiums (2022 data year) and US Census ACS 5-year (2023) county housing records, computed 2026-08-17.

content.naic.org NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance Report (2022 data) (NAIC public report)

www2.census.gov US Census Bureau ACS 5-year (2023) tables B25003/B25064/B25077 (US Government public domain)
www2.census.gov Census 2023 Gazetteer, counties (US Government public domain)

Methodology: State average premiums by policy form (HO-3 owner-occupied, HO-4 tenant/renters, HO-6 condo, plus HO-2/HO-5 where published) are the NAIC Dwelling Fire/Homeowners report's 2022 data year, transcribed per state and cross-checked against the countrywide row; the NAIC does not publish county premiums, so county rows carry Census ACS 5-year (2023) records instead: total households, renter-occupied households, median gross rent and median home value per county FIPS. County names and centroids come from the Census 2023 Gazetteer. Puerto Rico and territory counties are excluded (no NAIC premium row). Figures describe published filings and Census records, never quotes: your premium depends on carrier, coverage and property.

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