Delaware Homeowners Insurance
Delaware homeowners pay $876 a year for homeowners insurance on average. That's 25% below the roughly $1,172 national average. That makes Delaware the 10th-cheapest state for homeowners insurance in the country. Relatively small coastal state with moderate storm exposure; NFIP flood policies recommended in low-lying areas. The main factors driving that number are Coastal flooding, Hurricanes, Nor'easters and Wind. Flood risk is moderate; it's worth checking FEMA flood maps for your specific address before deciding whether a separate flood policy makes sense. Homeowners insurance isn't legally mandated in Delaware, but any mortgage lender will require it as a condition of the loan. Delaware has no dedicated state insurer-of-last-resort program — coverage runs through the standard private market.
Key Risk Factors in Delaware
- –Impact-resistant windows and a wind mitigation inspection can qualify you for a hurricane/wind discount with most carriers.
- –Roof strapping and impact-rated garage doors reduce wind damage risk and often qualify for a mitigation discount.
Coverage Checklist for DE Homeowners
- checkStandard HO-3 policy covering dwelling, personal property, and liability.
- checkSeparate flood policy (NFIP or private) — flood is excluded from all standard home policies.
- checkPersonal umbrella policy ($1M+) to protect assets beyond your HO-3 liability limits.
Official Delaware Insurance Regulator
For consumer complaints, rate comparisons, and homeowners insurance guides straight from the source, visit the Delaware Department of Insurance.
Compare Quotes for Delaware
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